Vacancies at Umba

Responsibilities:
SME Client Acquisition & Lending Growth

• Drive acquisition and onboarding of SME and MSME clients.
• Deliver SME and MSME lending disbursement targets.
• Build and manage a strong pipeline and improve conversion rates.

Portfolio Productivity & Revenue Optimisation

• Manage average loan size and yield to ensure profitability.
• Drive utilisation of approved credit limits.
• Ensure sustainable and quality growth of the SME loan book.

Deposits Mobilisation & Liability Growth

• Deliver net deposit growth targets across SME customers.
• Increase proportion of low-cost deposits (CASA).
• Optimise cost of funds on SME deposits.
• Drive fee income from SME transactional banking activities.

Portfolio Quality & Risk Management

• Maintain portfolio quality within acceptable thresholds.
• Ensure early identification and resolution of arrears.
• Uphold strong credit underwriting, monitoring, and reporting standards.
• Ensure compliance with internal policies and regulatory requirements.

Market Intelligence & Business Strategy

• Monitor SME market trends, customer needs, and competitor activity.
• Provide input into product development and commercial strategy.

Sales Leadership & Team Management

• Lead SME sales teams to achieve aggregated targets.
• Drive staff productivity (business per staff).
• Conduct performance management, coaching, and development.
• Maintain acceptable attrition levels and succession planning.

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or a related field
• Master’s degree is an added advantage
• Minimum 7–10 years’ experience in SME banking or business development
• Proven track record in lending, sales, and portfolio management
• Experience managing and leading sales teams

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To lead the growth of the trade finance and export business by driving client acquisition, structuring competitive export financing solutions, mobilizing deposits, and ensuring portfolio quality and regulatory compliance.
Responsibilities:
Client Acquisition & Export Growth

• Identify, source, onboard, and manage relationships with exporters across key sectors.
• Drive acquisition and activation of export/FX clients in line with business targets.
• Ensure optimal utilisation of approved trade limits.

Trade Finance Structuring & Revenue Generation

• Lead structuring and execution of trade finance solutions including invoice financing, guarantees, LPO financing, and FX solutions.
• Deliver trade finance income targets across performance bonds, bid bonds, advance/performance guarantees, and LPO financing.
• Drive FX transaction volumes and optimise yield per transaction.

Deposits Mobilisation & Transactional Banking

• Mobilise deposits from export clients to support liquidity and funding objectives.
• Grow low-cost deposits (CASA) within the trade portfolio.
• Optimise cost of funds on trade-related deposits.
• Increase fee income from transactional banking (FX, guarantees, trade flows).

Portfolio Quality & Risk Management

• Maintain portfolio quality within acceptable thresholds.
• Ensure early identification and resolution of arrears.
• Uphold high standards in credit structuring, monitoring, and reporting.
• Ensure full compliance with CBK regulations and internal credit policies.

Market Intelligence & Strategy

• Provide insights on exporter needs, industry trends, and competitor offerings.
• Identify opportunities to enhance product-market fit and competitiveness.

Team Leadership & Performance Management

• Lead and manage the trade finance/export team to achieve targets.
• Drive staff productivity (business per person).
• Conduct performance reviews, coaching, and capability development.
• Maintain acceptable attrition levels and build a strong succession pipeline.
• Ensure compliance with leave and HR policies.

Qualifications & Experience

• Bachelor’s degree in Finance, Business, Economics, or a related field
• Master’s degree or professional certification (CPA, CFA, ACCA) is an added advantage
• Minimum 7–10 years’ experience in trade finance, corporate banking, or export finance
• Proven track record in structuring trade finance deals and managing client portfolios
• Strong understanding of FX markets, trade products, and regulatory requirements