Umba

<h2>About Umba</h2>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 are 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 are looking for exceptional people who share our ambition, energy, and belief that technology can unlock financial freedom.<h2>About the Role</h2>We are looking for an experienced Back-End / Full-Stack Engineer to design, build, and scale the core services behind financial technology products.You will work primarily in Python (Flask, FastAPI), building secure, high-performance APIs that move money and handle sensitive customer data at scale, while also contributing across the stack where needed.This is not a traditional engineering role.We operate in an AI-native development environment, where engineers leverage tools like Claude Code, Codex, and other LLM-based systems to accelerate development, generate code, and iterate quickly.As a result, the role increasingly focuses on:<ul><li>Defining clear technical specifications</li><li>Orchestrating AI agents to implement systems</li><li>Reviewing, validating, and hardening generated code</li><li>Building robust feedback loops and quality control systems</li></ul>You will collaborate closely with the Data and Product teams to shape architecture and ship features quickly and reliably.This is a highly technical, remote role. You will join a small, high-performing team operating at speed, where ownership is expected and impact is immediate.<h2>Responsibilities</h2><ul><li>Design, build, and maintain scalable backend services using Python (Flask, FastAPI)</li><li>Contribute to front end development (Next.js)</li><li>Contribute across the stack when needed (APIs, integrations)</li><li>Define clear technical specs that can be executed by AI-assisted development workflows</li><li>Use AI tools (e.g. Claude Code, Codex) to accelerate development while maintaining high quality</li><li>Review, test, and validate AI-generated code to ensure correctness, security, and performance</li><li>Architect systems with a focus on reliability, observability, and scalability</li><li>Build strong testing and validation pipelines (unit, integration, automated QA)</li><li>Collaborate with Data teams to deliver end-to-end features</li><li>Debug complex production issues and implement robust fixes</li><li>Continuously improve engineering velocity through tooling and process improvements</li></ul><h2>Skills and Qualifications</h2><ul><li>5+ years of software engineering experience in production environments</li><li>Strong proficiency in Python and backend frameworks (Flask, FastAPI)</li><li>Intermediate experience with frontend development</li><li>Experience building and scaling APIs and distributed systems</li><li>Comfortable working across the stack (backend, with some frontend exposure preferred)</li><li>Strong system design skills and understanding of software architecture principles</li></ul>AI-Native Engineering Experience (increasingly important)<ul><li>Experience using AI coding tools (Claude Code, Codex, GitHub Copilot, etc.) in daily workflows</li><li>Ability to write clear, structured technical specs and prompts for code generation</li><li>Strong code review skills, especially for validating AI-generated outputs</li><li>Understanding of trade-offs, failure modes, and quality risks in AI-assisted development</li><li>Experience building guardrails: testing, validation, and monitoring for generated code</li><li>Familiarity with modern development workflows (Git, CI/CD, Docker)</li><li>Experience with Linux/Unix environments</li></ul><h2>Bonus</h2><ul><li>Experience in fintech, lending, or payments systems</li><li>Exposure to data/ML systems or model deployment</li><li>Experience with blockchain or crypto-related systems</li></ul><h2>What We Are Really Looking For</h2><ul><li>Engineers who think in systems, not just functions</li><li>People who can leverage AI to move 10x faster without sacrificing quality</li><li>Builders who take ownership from idea, to spec, to implementation, to production</li><li>Pragmatic problem-solvers who ship</li></ul><h2>Work Status</h2><ul><li>Valid work authorisation for Kenya</li></ul>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, colour, 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.

Senior Backend Engineer (AI-Native)- Remote

<h2>About Umba</h2>Umba is a pan-African digital bank operating in Kenya and Nigeria, on a mission to make financial services more accessible, affordable, and empowering for millions of people across Africa. Since acquiring a licensed microfinance bank in Kenya in 2023, we have grown revenue more than sixfold. We build and run financial technology products for individuals and SMEs, spanning credit, savings and deposits, payments and foreign exchange, with new lines in development.<h2>Job Summary</h2>We are hiring a Senior Product Manager to own product strategy and execution for financial technology products end to end: discovery, spec, delivery, launch, and the metric that follows. You will work across the product lines we operate today and the ones we stand up next, and you will partner with senior leadership on where the next bet goes.This is not a traditional product role. We operate in an AI-native environment. The team uses Claude Code, Claude Design, Codex, and similar tools to spec, prototype, and ship. The Senior PM is expected to write product and technical specifications that AI agents can execute against, drive delivery end to end, ship small PRs directly when it is faster than handing off, coordinate the stakeholders that turn a product into a business, and own the outcomes those products generate. The bar is moving 10x faster without sacrificing quality.ResponsibilitiesThe role spans two domains.Strategy and Discovery<ul><li>Own the roadmap across your product lines, which may include credit and lending, savings and deposits, payments and foreign exchange, and new products in development.</li><li>Run customer discovery directly with target segments, from individual borrowers and savers to SMEs, business operators, and freelancers.</li><li>Size opportunities, instrument funnels, and validate hypotheses against production data. You do not wait for an analyst.</li><li>Make prioritisation calls across very different product lines (a credit policy tweak vs. a new payments corridor vs. a deposit campaign) and defend them with numbers.</li><li>Track competitor moves in the markets you operate in and translate them into product decisions.</li></ul>Execution and Delivery<ul><li>Write product and technical specifications that engineers and AI coding agents can implement directly. Tight, unambiguous, testable.</li><li>Prototype in Claude Design to validate concepts before committing engineering time.</li><li>Code and ship small PRs yourself with Claude Code when it is faster than handing off. PMs here live in the codebase.</li><li>Drive delivery end to end. Own scope, timeline, and quality.</li><li>Run delivery in Linear, our product and project management surface.</li><li>Run the cadence with Engineering: standups, sprint reviews, unblocking, bug triage, and trade-off calls when things slip.</li><li>Coordinate across stakeholders: leadership, Engineering, Data, Credit, Operations, Risk, Compliance, and Marketing.</li><li>Align scope, ship dates, and trade-offs across teams that have different incentives.</li><li>Own outcomes, not output. Tie every initiative to a revenue, growth, or risk metric. Track it post-launch and iterate until the metric moves.</li><li>Review AI-generated implementations, prototypes, and analyses for correctness, edge cases, and business fit.</li><li>Build feedback loops: customer signal, spec, AI-assisted build, metric, next spec. Compress the cycle.</li><li>Own launch comms and internal enablement.</li></ul>Qualifications and Experience<ul><li>5+ years in product management.</li><li>Direct experience shipping consumer or SME products in fintech, banking, lending, or payments.</li><li>Track record of owning outcomes. You measure yourself by the metric that moved (revenue, active users, default rate, deposit growth), not by what was planned or shipped.</li><li>Strong stakeholder coordination. You drive alignment across the cross-functional set above without losing your own thread.</li><li>Strong written communication. You can write a spec a senior engineer does not need to ask questions about.</li><li>Comfortable reading production data yourself. SQL fluency, or willing to get there in week one.</li><li>Demonstrated proficiency with AI tools in your daily workflow (Claude Code, Claude Design, Codex, and similar). You have shipped real work with them, not just experimented.</li><li>Comfortable reading and writing code, enough to ship a small PR with Claude Code.</li><li>High agency. You move from problem to validated solution to shipped product without waiting to be told.</li><li>Able to read financial regulatory guidance in the markets you operate in and translate it into product requirements.</li></ul><h2>Highly Preferred</h2><ul><li>Experience with credit products (origination, scoring, collections) and deposit products (rate strategy, treasury, funding).</li><li>Exposure to foreign exchange, cross-border payments, stablecoins, or virtual account infrastructure.</li><li>Experience working with engineering teams that use AI coding agents in production workflows.</li><li>Prior work in emerging markets, particularly Africa, SEA, or LATAM fintech.</li></ul><h2>Bonus</h2><ul><li>Founder or 0 to 1 product experience.</li><li>Familiarity with trade finance instruments (invoice factoring, LPO financing, purchase order financing).</li></ul><h2>Application Requirements</h2><ul><li>Salary expectations in Kenyan Shillings.</li><li>A short note on something you built end to end using AI: what it was, how you used AI to build it, what shipped.</li><li>Valid work authorisation for Kenya.</li></ul><h2>Method of Application</h2>Umba is an equal opportunity employer and encourages applications from all qualified individuals.Due to the urgency, interviews will be on a rolling basis.

Senior Product Manager (AI-Native) - Remote

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. 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.​​​​​​​ Key Responsibilities <ul><li> 1. Deposit MobilizationDevelop and implement strategies to attract new depositors and retain existing clients.</li><li>Achieve monthly and annual deposit mobilization targets as set by management.</li><li>Promote UMBA’s savings, fixed deposit, and investment products to individuals, groups, SMEs, and institutions.</li><li> 2. Client Relationship Management Build strong, lasting relationships with clients through proactive engagement and excellent service.</li><li>Conduct regular client visits, meetings, and financial education forums to increase awareness of UMBA’s products.</li><li>Act as the primary point of contact for key deposit clients and respond to queries in a timely manner.</li><li> 3. Business Development and Marketing Identify and pursue new business opportunities within assigned territory/portfolio.</li><li>Develop partnerships with SACCOs, Chamas, schools, churches, and corporates to generate deposits.</li><li>Organize and participate in marketing campaigns, community outreach programs, and product launches.</li><li> 4. Compliance and Risk Management Ensure all deposit mobilization activities comply with UMBA Microfinance’s policies, CBK regulations, and AML/CFT requirements.</li><li>Monitor client accounts to ensure adherence to KYC, due diligence, and anti-fraud standards.</li><li>Prepare accurate reports on deposit mobilization performance, pipeline clients, and market intelligence.</li><li> 5. Reporting and Performance Tracking Submit weekly, monthly, and quarterly reports on deposit mobilization activities and achievements.</li><li>Track personal and branch targets, providing input to management on opportunities and challenges.</li><li> Qualifications and Experience Bachelor’s degree in business administration, Marketing, Finance, Banking, or a related field.</li><li>Minimum of 3 years’ experience in deposit mobilization, relationship management, or business development in a financial institution (microfinance, SACCO, or bank).</li><li>Proven track record of meeting and exceeding sales/target goals.</li><li>Familiarity with digital financial services and innovative savings products will be an added advantage.</li><li> Skills and Competencies Strong interpersonal and networking skills.</li><li>Excellent communication and presentation abilities.</li><li>Negotiation and persuasive selling skills.</li><li>Customer-centric mindset with problem-solving orientation.</li><li>High integrity and commitment to ethical banking practices.</li><li>Ability to work independently and as part of a team.</li><li> Key Performance Indicators (KPIs) Monthly and annual deposit mobilization targets achieved.</li><li>Number of new deposit accounts opened.</li><li>Retention rate of existing depositors.</li><li>Growth in institutional/corporate partnerships.</li><li>Compliance with CBK and UMBA’s policies on deposits.</li></ul>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.

Relationship Officer- Deposit Mobilization

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. Job Summary The Relationship Manager is responsible for developing and executing strategies to grow and manage the institution’s deposit base (liabilities) while cultivating and maintaining strategic affiliations and partnerships. The role also includes overseeing a team responsible for deposit mobilization and partner engagement, ensuring continuous staff development, and aligning with organizational goals in liquidity and funding. Responsibilities <ul><li> 1. Liabilities Management Develop and implement strategies to attract and retain deposit customers across various segments.</li><li>Monitor and manage the bank’s deposit portfolio to ensure diversification and cost-effectiveness.</li><li>Collaborate with product teams to enhance or launch liability products (e.g., savings, fixed deposits, current accounts). Actively contribute to the end-to-end design, review, and improvement of liability-focused financial products.</li><li>Provide frontline market intelligence, customer feedback, and competitor insights to support product development.</li><li>Track and analyze market trends, competitor offerings, and customer behavior to inform pricing and product development.</li><li>Ensure all product changes are aligned with regulatory requirements and support the institution’s deposit mobilization objectives.</li><li>Support Treasury in managing the cost of funds and ensuring adequate daily liquidity levels.</li><li> Affiliations &amp; Strategic Partnerships Identify, initiate, and manage affiliations with corporate clients and other institutions.</li><li>Structure and negotiate partnership agreements that generate deposit inflows or strengthen the bank’s ecosystem.</li><li>Build and maintain strong relationships with partners to ensure mutual value creation and customer acquisition.</li><li> Compliance &amp; Risk Management Ensure all products and affiliation agreements comply with regulatory guidelines.</li><li>Work closely with Risk and Compliance teams to mitigate risks associated with third-party relationships.</li><li> Team Management Supervise, support, and coach the team.</li><li>Set clear performance targets and monitor progress regularly.</li><li>Conduct periodic team reviews and provide feedback to improve productivity and outcomes.</li><li>Foster a performance-driven culture focused on ownership, accountability, and innovation.</li><li> Training &amp; Development Identify skills gaps within the team and implement tailored training programs.</li><li>Organize regular knowledge-sharing sessions and workshops on liabilities products, market positioning, and compliance standards.</li><li>Collaborate with HR to ensure team members have career development plans.</li><li>Champion onboarding and capacity building for new staff or affiliate partners.</li><li> Stakeholder Engagement Coordinate with Marketing, Finance, and IT to support product rollouts and partner integrations.</li><li>Prepare reports and presentations for senior management on performance, risks, and opportunities.</li></ul> Key Qualifications &amp; Skills: · Bachelor’s degree in Finance, Business Administration, Economics, or a related field; MBA or professional certification is an advantage. · Minimum of 5–7 years of experience in banking, preferably in liabilities management, treasury, or partnership development. · Proven track record of deposit mobilization and institutional relationship management. · Experience in managing and developing high-performing teams. · Strong analytical, negotiation, and interpersonal skills. · Good understanding of banking regulations and treasury operations. Umba is an equal opportunity employer and encourage applications from all qualified individuals. Please submit your application by 8 September 2026 for consideration.

Umba

Senior Backend Engineer (AI Native) Remote

Umba

Senior Product Manager (AI Native) Remote

Umba

Relationship Officer Deposit Mobilization

Umba

Deposit Mobilization Relationship Manager

Umba