Fresh Jobs at Umba

The Role

We're hiring a Cross-Border Payments Lead to own and scale our cross-border payments business. You'll build two product lines from the ground up:

• Business Payments — Kenyan exporters, BPOs, and tech companies receiving international payments
• Consumer Payments — Freelancers, remote workers, and creators receiving USD/EUR
• Beyond direct customers, you'll develop strategic relationships with global payment providers and remittance companies — positioning Umba as essential infrastructure for moving money into Africa.
• This is an opportunity to define how stablecoin rails reshape cross-border commerce on the continent.

What You'll Do

• Own commercial strategy and revenue growth across both business and consumer segments
• Build and execute go-to-market for each product line — different customers, different motions
• Acquire and onboard high-value business customers (exporters, BPOs, tech companies)
• Scale consumer adoption among freelancers and remote workers
• Develop partnerships with global payment providers, platforms, and financial institutions
• Drive payment volume growth and hit revenue targets
• Work closely with product and engineering to shape the roadmap
• Build and lead a commercial team as we scale

What We're Looking For

• 7+ years in payments, fintech, or financial services — cross-border or remittance experience strongly preferred
• Track record of building and scaling payment products in emerging markets
• Experience with both B2B and B2C commercial motions
• Deep understanding of African payment corridors, FX dynamics, and regulatory landscape
• Network in the global payments ecosystem — remittance companies, fintechs, platforms
• Commercial operator who can sell, close, and build a team
• Bonus: Experience with stablecoin, crypto, or blockchain payment infrastructure

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Job Summary

• The Credit Risk Analyst will be responsible for supporting the credit underwriting function by assessing the creditworthiness of prospective and existing borrowers, analyzing financial and non-financial information, evaluating credit risk exposure, and making recommendations to facilitate informed lending decisions. The role ensures that all credit assessments are conducted in accordance with the institution's credit policies, risk appetite, regulatory requirements, and underwriting standards while maintaining portfolio quality and minimizing credit losses. The Credit Risk Analyst will also monitor emerging risks, contribute to portfolio reviews, and support continuous improvement of credit risk management practices.

Key Responsibilities
Verification of Personal and Business Information:

• Verify the accuracy and completeness of client-provided personal and business details.
• Ensure compliance with legal and regulatory requirements.

Credit Analysis:

• Analyze financial data to assess clients' creditworthiness.
• Pull and review credit reports to evaluate credit risk.

NTSA Searches and In-Charges:

• Conduct NTSA searches and review in-charges for due diligence.

Loan Application Assessment:

• Evaluate loan applications and provide recommendations (approval, decline, or adjustment).

Valuation Process:

• Issue valuation instructions for collateral appraisal (e.g., vehicles).
• Receive and analyze valuation reports to determine loan amounts based on collateral value.

Document Management:

• Safeguard and record original logbooks from branches.
• Assist in the collection and processing of joint logbooks from NTSA.

Loan Document Handling:

• Receive, verify, and securely file loan documents.
• Process collateral release requests upon verification.

Insurance Verification:

• Verify insurance coverage for clients and their collateral.
• Process documentation for insurance accident claims when necessary.

Data Analysis & Interpretation:

• Assess financial data, customer profiles, and transaction histories to determine creditworthiness.
• Skills: SQL, Excel, Power BI, Pandas, NumPy.

Risk Modeling & Credit Scoring:

• Develop statistical models to predict loan defaults and assess risk exposure.
• Skills: Logistic Regression, Decision Trees, Credit Scoring Models, Machine Learning (Scikit-learn, XGBoost).

Automation & Process Optimization:

• Automate credit risk assessments, document verification, and loan approval workflows.
• Skills: Python, R, API Integration, Robotic Process Automation (RPA).

Predictive Analytics & Portfolio Management:

• Forecast trends in loan repayments, delinquency, and borrower behavior.
• Skills: Time Series Analysis (ARIMA, LSTMs), Predictive Modeling, Tableau, Power BI.

Fraud Detection & Anomaly Detection:

• Identify fraudulent applications and transactions using machine learning techniques.
• Skills: Anomaly Detection (Isolation Forest, Autoencoders), Network Analysis, Feature Engineering.

Regulatory Compliance & Reporting:

• Ensure adherence to financial regulations by generating accurate reports.
• Skills: Data Governance, GDPR Compliance, Automated Reporting (Python, Power BI), Data Auditing Techniques.

Sentiment Analysis & Alternative Credit Scoring:

• Leverage non-traditional data sources (e.g., social media, mobile transactions) for credit assessment.
• Skills: NLP (Natural Language Processing), Web Scraping, Behavioral Analytics.

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Job Summary

• To mobilize deposits in line with the bank’s liabilities growth strategy by acquiring and maintaining customer relationships, targeting retail and institutional clients, and ensuring high levels of client satisfaction, loyalty, and retention.

Responsibilities
Deposit Mobilization

• Proactively identify and acquire new deposit clients to achieve the monthly target in new deposits.
• Promote long-term deposit products to ensure stability in the bank's funding base.
• Cross-sell relevant bank products to existing and potential deposit clients.

Client Relationship Management

• Build and manage a portfolio of deposit clients, ensuring regular engagement, satisfaction, and retention.
• Monitor client accounts to ensure activity and escalate dormant or at-risk relationships.
• Respond promptly to client inquiries and complaints, ensuring timely resolution and communication.

Portfolio Reporting and Performance Tracking

• Maintain updated records of all leads, prospects, and clients using CRM tools or internal systems.
• Provide timely and accurate reports to the Relationship Manager on pipeline performance, client feedback, and deposit trends.
• Track achievement of personal and team targets and proactively initiate corrective actions where needed.

Market Intelligence

• Gather and report feedback from clients and market trends affecting deposit mobilization.
• Monitor competitor activities and provide insights for strategic response.

Compliance and Operational Excellence

• Ensure adherence to all regulatory and internal compliance requirements, including KYC, AML, and documentation protocols.
• Liaise with internal teams to ensure proper account setup and smooth onboarding

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Marketing, or a related field.
• At least 2 years’ experience in sales, relationship management, or deposit mobilization in the banking or financial services sector.
• Demonstrated success in meeting financial or sales targets.