Jobs at Umba

Key Responsibilities
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.

Client Acquisition & Relationship Management

• 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.

Loan Application Support & Credit Facilitation

• Assist clients with loan applications and ensure accurate documentation is submitted.
• Provide guidance to clients on loan terms, repayment obligations, and product use.

Portfolio Management & Loan Recovery

• 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).

Compliance & Reporting

• 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.

Market 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.

Qualifications & Experience

• 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

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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
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.

Client Relationship Management

• 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.

Business Development and Marketing

• 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.

Compliance and Risk Management

• 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.

Reporting and Performance Tracking

• 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.

Qualifications and Experience

• 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.