9 jobs in Umba

About Umba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being.

We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Job Summary
Umba is currently in search of a Product Manager to join our team based in our Nairobi Office.

We are looking for someone to define, scope and manage our feature roadmap for the Kenyan market.

This person should have deep knowledge of the region, and an eye on the various competitors in the field. The ideal candidate is a proactive and motivated individual who excels in a fast-paced environment.

Responsibilities

• Working with our Vehicle Financing team and developing our feature set further with an emphasis on automation.
• Developing and managing our SME lending (UmbaPay) and Umba Payments. We want our SME experience to be best in class
• Assessing competitors. What are we missing? What can we do better?
• QA the products that we are building
• Should be comfortable writing clear, concise PRDs as well as working with designers and engineers
• Work with internal stakeholders from risk, legal, operations, and executive management to translate business needs into product requirements
• Establish product delivery timelines in close collaboration with the development team

Skills and Qualifications

• Bachelor's degree required, engineering, data science, economics, or related technical field is preferred
• 3-4 Years of Product Management Experience
• Ability to translate complex problems and ideas into easily understood descriptions
• Proven ability to dive deeply into specific functional areas and learn a domain
• Proven ability to innovate and come up with ideas to help drive the product forward
• Proven ability to understand the business and engineering sides and get into technical detail
• Ability to assume a strong sense of responsibility and ownership in a fast-paced environment
• Excellent project management skills - delivery and action-oriented

Nice to have:
Engineering background

SQL, Python or any scripting abilities

Startup mentality

Experience in financial services

Work Status
Valid work authorization for Kenya

Umba is proud to be an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.

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Purpose of the Job
The Deposit Mobilization Relationship Officer will be responsible for driving deposit growth

through innovative client relationship management, building and maintaining long-term

partnerships, and delivering financial solutions tailored to customer needs. The role focuses on

mobilizing deposits, deepening customer engagement, and ensuring the sustainability of UMBA

Microfinance's funding base.

AboutUmba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Key Responsibilities
2. Client Relationship Management
3. Business Development and Marketing
4. Compliance and Risk Management
5. Reporting and Performance Tracking
Qualifications and Experience

• Deposit Mobilization
• Develop and implement strategies to attract new depositors and retain existing clients
• Achieve monthly and annual deposit mobilization targets as set by management
• Promote UMBA's savings, fixed deposit, and investment products to individuals, groups, SMEs, and institutions
• Build strong, lasting relationships with clients through proactive engagement andexcellent service
• Conduct regular client visits, meetings, and financial education forums to increaseawareness of UMBA's products
• Act as the primary point of contact for key deposit clients and respond to queries in atimely manner
• Identify and pursue new business opportunities within assigned territory/portfolio
• Develop partnerships with SACCOs, Chamas, schools, churches, and corporates togenerate deposits
• Organize and participate in marketing campaigns, community outreach programs, andproduct launches
• Ensure all deposit mobilization activities comply with UMBA Microfinance's policies, CBK regulations, and AML/CFT requirements
• Monitor client accounts to ensure adherence to KYC, due diligence, and anti-fraud standards
• Prepare accurate reports on deposit mobilization performance, pipeline clients, andmarket intelligence
• Submit weekly, monthly, and quarterly reports on deposit mobilization activities and achievements
• Track personal and branch targets, providing input to management on opportunities and challenges
• Bachelor's degree in business administration, Marketing, Finance, Banking, or a related field
• Minimum of 3 years' experience in deposit mobilization, relationship management, orbusiness development in a financial institution (microfinance, SACCO, or bank)
• Proven track record of meeting and exceeding sales/target goals
• Familiarity with digital financial services and innovative savings products will be an added advantage

Skills And Competencies

• Strong interpersonal and networking skills
• Excellent communication and presentation abilities
• Negotiation and persuasive selling skills
• Customer-centric mindset with problem-solving orientation
• High integrity and commitment to ethical banking practices
• Ability to work independently and as part of a team

Key Performance Indicators (KPIs)

• Monthly and annual deposit mobilization targets achieved
• Number of new deposit accounts opened
• Retention rate of existing depositors
• Growth in institutional/corporate partnerships
• Compliance with CBK and UMBA's policies on deposits

Due to the urgency, applications will be reviewed on a rolling basis.

NB: Only short-listed candidates will be contacted.

Umba Microfinance Bank Limited is a proud equal opportunity employer and does

not discriminate against applicants on any basis.

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Job Summary
We're looking for an experienced Trade Finance & Export Partnerships Manager to drive exporter acquisition, manage strategic relationships, and design tailored financial products for our customers. Umba has a suite of products including term loans, trade finance, FX services and international money transfer services.

This role is highly commercial — you will leverage your existing network of exporters to bring business onto our rails quickly, while collaborating with product and compliance teams to deliver world-class service.

About Umba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Responsibilities

• Client Acquisition: Source, onboard, and manage relationships with Kenyan exporters in target sectors (floriculture, coffee/tea, apparel, handicrafts, agriculture). Ideally selling to the US
• Partnership Development: Build relationships with export promotion agencies, chambers of commerce, freight forwarders, and trade associations to generate leads
• Deal Structuring: Work with product and credit teams to design invoice financing, payment acceleration, and FX solutions tailored to exporters' needs
• Market Intelligence: Provide insights into exporter pain points, competitor offerings, and opportunities for Umba to differentiate
• Compliance Liaison: Coordinate with legal/compliance teams to ensure onboarding aligns with CBK FX rules and export documentation requirements
• Revenue Growth: Deliver measurable inflow targets and customer retention rates

Qualifications and Skills

• 5+ years in trade finance, SME banking, or exporter relations
• Strong personal network of exporters, particularly in floriculture, coffee, tea, apparel, and agriculture
• Track record in structuring trade finance products or facilitating cross-border payments
• Understanding of CBK regulations on FX and export documentation
• Proven ability to meet or exceed commercial targets
• Excellent negotiation and relationship management skills

Nice to Have

• Experience with digital trade finance platforms (e.g., dltledgers, Bolero, Komgo)
• Prior work at a bank, development finance institution, or large export house
• Familiarity with stable coins or blockchain-based cross-border payments

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About Umba
Umba is a pan-African digital bank operating in Kenya and Nigeria, with a mission to make financial services more accessible, affordable, and empowering for millions of people across Africa.

We're transforming how banking works on the continent by building intelligent, automated financial products powered by machine learning. Our platform offers digital banking, lending, and payments through Android, iOS, and Web applications, serving both individuals and businesses at scale.

Headquartered in Nairobi, Umba acquired a licensed deposit taking microfinance bank in 2023 and has since grown revenue more than sixfold.

We're looking for exceptional people who share our ambition, energy, and belief that technology can unlock financial freedom. Join us as we build Africa's leading digital bank.

About The Role
We're looking for an experienced Back-End Engineer to help design, build, and scale the core services that power Umba's digital banking platform. You'll work on RESTful APIs built with Python, leveraging frameworks like
Flask
and
FastAPI
to deliver secure, reliable, and high-performance systems used by tens of thousands of customers across Africa.

You'll collaborate closely with our Front-End and Data teams to define new data models, business logic, and APIs — shaping the foundation for our mobile and web applications. We value autonomy and ownership: engineers at Umba ship their own code, monitor performance, and continuously improve reliability.

This is a highly technical, in-office role based at our Nairobi headquarters. You'll join a small, exceptional team operating in a fast-moving environment, where we deploy new machine learning models regularly and rely on data-driven decisions. You won't just be an implementer — you'll help define how we build the future of banking.

Responsibilities

• Design, build, and maintain robust and scalable software using Python (Flask, FastAPI)
• Architect new services and contribute to the evolution of our system infrastructure
• Write clean, testable code with strong attention to performance and security
• Improve code quality through automation, testing, and code reviews
• Collaborate with Front-End and Data teams to integrate APIs into customer-facing apps
• Participate in technical discussions and product brainstorming sessions
• Debug complex issues and deliver reliable solutions on schedule

Skills And Qualifications

• 6+ years of hands-on software engineering experience in production environments
• Degree in Computer Science, Engineering, or related field preferred — or equivalent, demonstrable experience
• Strong proficiency in Python and familiarity with frameworks such as Flask and FastAPI
• Experience with Linux/Unix systems and scripting languages
• Solid understanding of OOP and software architecture principles — building systems that are extensible, reusable, and maintainable
• Familiarity with modern development tools and workflows (Git, CI/CD, Docker)
• Bonus: experience in blockchain or crypto-related development, particularly in financial applications
• Bonus: Experience with Front end development (TypeScript/React/NextJS)
• Proven track record of shipping production-ready code on time
• Collaborative, curious, and fun to work with — the kind of teammate others want to join on the weekend

Work Status

• Valid work authorization for Kenya

Umba is proud to be an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.

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About Umba
Umba is a pan-African digital bank serving customers in Kenya and Nigeria. Our mission is to provide accessible and affordable financial services across Africa, empowering customers to take control of their financial wellbeing.

We are transforming the continent's financial landscape by building intelligent, automated financial products powered by machine learning. Our platform delivers digital banking, lending, and payment services at scale through Android, iOS, and Web applications.

Headquartered in Nairobi, Umba acquired a licensed microfinance bank in 2023—Umba Microfinance Bank—and has since achieved over 6× revenue growth in 2024. This role is based in our Nairobi headquarters.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Job Summary
Umba is seeking a Product Manager – Lending, FX & Stablecoin Products to drive the evolution of our lending, payments, and digital asset products.

You will define and deliver new features across vehicle financing, SME lending (UmbaPay), and FX and cross-border settlement products, including USDC-powered accounts and payments. This role blends product ownership, execution, and regulatory understanding—working closely with engineering, compliance, and banking operations to launch and scale products that connect fiat and digital rails.

Responsibilities

• Own the product strategy and roadmap across lending, FX, and stablecoin initiatives in Kenya and Nigeria
• Expand and automate Vehicle Finance and SME lending (UmbaPay) offerings
• Lead the design and rollout of cross-border USDC accounts and settlements, integrating with established payment partners
• Define and prioritize use cases competing with other players—including FX management, virtual USD accounts, and business payments
• Work with engineering and design teams to deliver features rapidly while maintaining quality and compliance
• Collaborate with compliance and legal teams to ensure regulatory alignment under CBK, SEC Nigeria, and VASP frameworks
• Write clear and detailed PRDs, aligning product goals with technical feasibility and regulatory requirements
• Establish KPIs across transaction volumes, lending performance, FX spread revenue, and wallet adoption
• Conduct competitive analysis to identify gaps in digital banking, stablecoin, and export-payment products
• Partner with growth and operations to execute go-to-market strategies and onboard early customers

Skills and Qualifications

• Bachelor's degree required (engineering, economics, data science, or a related field preferred)
• 3–4 years of Product Management experience in fintech, payments, or lending
• Proven ability to deliver technically complex financial products end-to-end
• Strong understanding of digital payments, FX, remittances, or stablecoins
• Excellent project management skills; bias toward shipping fast
• Comfort working with APIs, backend systems, and external financial partners
• Experience coordinating with regulators or operating in licensed financial institutions

Nice to have:

• Engineering background
• Experience building or managing digital asset or FX products
• SQL, Python or any scripting abilities
• Startup mentality
• Experience in financial services

Work Status

• Valid work authorization for Kenya

Umba is proud to be an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.

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About Umba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with an average monthly growth rate of 19% and 6x revenue growth in 2024.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Job Summary
We are seeking proactive and results-driven Call Center Interns to join our team. This role combines new customer acquisition and customer relationship management to drive growth and enhance customer satisfaction You will play a key role in engaging potential and existing customers, ensuring they receive outstanding service while meeting sales and retention targets.

Key Responsibilities

• Make outbound calls to potential customers from provided leads
• Present and clearly explain the Stock Loan Product and its terms
• Convert prospects into active borrowers and guide them through onboarding
• Maintain and update a daily sales pipeline report
• Gather and share market insights and customer feedback with the product team
• Make follow-up calls to existing borrowers to ensure timely repayments
• Promote repeat borrowing and upsell products where applicable
• Address customer queries or escalate them to relevant departments
• Conduct periodic satisfaction checks and record feedback
• Monitor customer engagement and flag potential churn risks

Requirements
Diploma or Degree (completed or in progress) in Business, Marketing, Finance, or related field.

Excellent verbal and written communication skills.

Strong interpersonal skills and customer-oriented mindset.

Ability to work in a fast-paced, target-driven environment.

Basic computer skills (MS Office, CRM systems an added advantage).

Prior sales or customer service experience is an added advantage but not mandatory.

Deadline for applications:
22nd August 2025.

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About Umba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

We are actively seeking outstanding individuals who not only possess exceptional talent but also share our vision, determination, and sense of purpose. Join us in our endeavor to establish the best digital bank in Africa.

Job Summary
The Relationship Officer is responsible for identifying potential clients, promoting credit products, and managing customer relationships to drive loan disbursement and ensure timely repayments. This role involves sales, client acquisition, relationship management, risk assessment, and portfolio management while maintaining compliance with company policies and regulatory requirements.Top of Form

Responsibilities
Sales & Business Development:

• Identify and acquire new clients through direct sales, referrals, and field visits
• Relationship Management for Proper KYC and KYB
• Promote the company's credit products and services, explaining features and benefits to potential customers
• Build and maintain strong relationships with existing clients to encourage repeat business and referrals

2. Credit Assessment & Loan Processing:

• Assist clients in completing loan applications and gather necessary documentation
• Conduct preliminary credit assessments to evaluate a client's ability to repay the loan
• Submit loan applications for approval and follow up on the disbursement process

3. Client Management & Collections:

• Monitor clients' repayment behavior and ensure timely loan repayments
• Proactively engage customers who may face repayment challenges and provide solutions
• Work with the collections team to manage delinquent accounts and recover outstanding loans

4. Compliance & Reporting:

• Ensure all transactions adhere to company policies, procedures, and regulatory guidelines
• Maintain accurate records of client interactions, loan applications, and sales performance
• Provide daily, weekly, and monthly reports on sales performance, client portfolio, and collections

Dealer Financing:

• Identify, onboard, and manage a network of dealers to support asset-based financing
• Collaborate with the credit team to assess and approve dealer-linked financing requests, ensuring due diligence and adherence to lending policies
• Track and report on key dealer financing KPIs including volumes, conversion rates, and repayment performance
• Monitor the performance of dealer referrals and maintain a healthy pipeline of prospective borrowers through dealer networks

Key Qualifications & Skills:

• Education: Diploma or Bachelor's degree in Finance, Business, Marketing, or a related field
• Experience: At least 1–3 years of experience in credit sales, banking, microfinance, or a related industry
• Strong sales and negotiation skills, with a proven ability to meet targets
• Knowledge of credit risk assessment and loan processing
• Excellent customer service and relationship management skills
• Ability to work independently and as part of a team
• Proficiency in MS Office (Excel, Word, PowerPoint) and CRM systems

Key Performance Indicators (KPIs):

• Number of new clients acquired
• Volume of loans disbursed
• Loan repayment rate and portfolio quality
• Customer retention and satisfaction levels

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Role Purpose
The Direct Sales Representative will be responsible for driving loan disbursements, client acquisition, and revenue growth for Umbapay. The role demands a proactive and goal-oriented professional with strong field sales experience, strong relationship-building skills, and the ability to consistently achieve sales targets.

AboutUmba
Umba is a pan-African digital bank serving customers in both Kenya and Nigeria. Our mission entails providing accessible and cost-effective financial services across Africa, enabling our customers to take charge of their financial well-being. We are committed to seizing a unique opportunity to transform the financial landscape in Africa by harnessing the power of machine learning to develop intelligent, affordable financial products tailored for emerging markets. Our machine learning models are continuously improving, and we leverage AI and automation to deliver banking solutions at the lowest possible cost to our expanding customer base.

Umba is headquartered in Nairobi Kenya. Our primary focus is to offer a comprehensive range of digital banking products through Android, iOS and Web Apps, and we take pride in our culture of consistently surpassing customer expectations, which has fueled our rapid expansion.

Umba acquired a deposit taking microfinance bank in Kenya in 2023, which has now been named Umba Microfinance Bank. The bank has achieved fast growth since launch with average monthly growth rate of 19% and 6x revenue growth in 2024.

Key Responsibilities
2. Client Acquisition & Relationship Management
3. Loan Application Support & Credit Facilitation
4. Portfolio Management & Loan Recovery
5. Compliance & Reporting
6. Market Engagement
Qualifications & Experience
Key Competencies

• Sales & Target Achievement
• Achieve or exceed monthly loan disbursement and revenue objectives
• Execute effective sales activities in the field to drive loan uptake and client acquisition
• Track personal performance against set KPIs and work with the team lead to address any performance gaps
• Prospect and onboard new clients through direct sales, referrals, and market activations
• Guide clients through Know Your Customer (KYC) and Know Your Business (KYB) requirements
• Clearly communicate Umbapay's financing solutions and value proposition to potential clients
• Build long-term client relationships to support retention, repeat business, and referrals
• Assist clients with loan applications and ensure accurate documentation is submitted
• Provide guidance to clients on loan terms, repayment obligations, and product use
• Monitor repayment schedules for assigned clients and follow up to ensure timely payments
• Engage with clients experiencing repayment challenges and escalate cases as needed
• Collaborate with the collections team on overdue accounts to reduce portfolio at risk (PAR)
• Ensure all client interactions and loan applications comply with internal policies and regulatory standards
• Maintain accurate client records, loan files, and sales activity reports
• Submit timely and accurate reports on sales performance and client engagement
• Stay updated on market trends, customer needs, and competitor activity
• Identify new opportunities and provide feedback to the team lead to improve sales strategies
• Diploma in Business, Finance, Marketing, or related field
• At least 1–3 years in sales, banking, microfinance, or financial services
• Experience in field sales or B2B client acquisition is highly desirable
• Demonstrated ability to meet and exceed sales/loan targets
• knowledge of credit products, risk assessment, and loan processes
• Excellent communication, negotiation, and customer service skills
• Ability to work independently in the field and deliver results under minimal supervision
• Sales-driven and target-oriented
• Strong interpersonal and relationship management skills
• Good organizational and reporting ability
• Self-motivated, resilient, and adaptable
• Understanding of financial products and lending practices

Due to the urgency, applications will be reviewed on a rolling basis.

NB: Only short-listed candidates will be contacted.

Umba Microfinance Bank Limited is a proud equal opportunity employer and does

not discriminate against applicants on any basis.

Powered by JazzHR

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