Internship | Job Vacancies at Umba

Cross-Border Payments Lead 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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Operations Officer at 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.

Job Summary:

To support the digital banking operations by ensuring seamless processing, monitoring, and control of all digital transactions, customer onboarding, and service requests. The role ensures compliance with regulatory requirements, maintains operational efficiency, and enhances customer experience through digital channels.

Responsibilities:

1. Digital Customer Onboarding & Account Management

Process digital account opening applications and ensure completion of KYC/AML requirements.
Verify customer identity and documents through digital verification tools.
Review and approve/decline onboarding requests based on risk assessment.
Manage customer account maintenance requests (e.g., profile updates, limits).

2. Digital Transactions & Payment Operations

Monitor and process digital payments, transfers, bill payments, and mobile money integrations.
Manage transaction exceptions, reversals, chargebacks, and disputes.
Ensure timely resolution of failed transactions and customer complaints.
Monitor payment channels for operational anomalies.

3. Fraud, Risk & Compliance

Monitor digital channels for suspicious activities, transaction anomalies, and potential fraud.
Escalate and investigate fraud cases in line with internal policies and regulatory guidelines.
Support AML/CFT monitoring and reporting (STR/CTR) where applicable.
Ensure adherence to POCAMLA, CBK regulations, and internal digital banking policies.

4. System & Channel Monitoring

Monitor the digital banking platform (web/app), APIs, and third-party integrations for uptime and performance.
Identify system issues and coordinate with IT/Tech teams for resolution.
Participate in testing of system upgrades, new features, and integrations.
Maintain incident logs and support post-incident reviews.

5. Customer Support & Service Excellence

Provide high-quality operational support to customers via chat, email, calls, and social media.
Ensure fast resolution of customer issues while maintaining high compliance standards.
Create and maintain FAQs, process guides, and self-help resources.

6. Process Improvement & Automation

Identify operational inefficiencies and recommend automation opportunities.
Support the implementation of automated workflows and digital process improvements.
Review and update SOPs and operational manuals for digital processes.

Qualifications & Experience

Bachelor’s degree in Business, Finance, Information Technology, or related field.
2–4 years’ experience in digital banking or banking operations.
Knowledge of digital banking platforms, APIs, and payment ecosystems.
Familiarity with AML/CFT, KYC, and regulatory requirements.
Strong analytical and problem-solving skills
Excellent communication and customer service skills
Ability to work with digital systems and dashboards
High attention to detail and accuracy
Ability to work in a fast-paced, tech-driven environment
Strong ethics and confidentiality.

If this sounds like you, we’d love to hear from you!

Please submit your application by February 6, 2026.

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Senior Backend Engineer at Umba

Senior Backend Engineer

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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Trade Finance and Export Partnerships Manager at Umba

About Umba

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.

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Call Centre Intern at Umba

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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Internship | Job Vacancies at Umba

Cross-Border Payments Lead at Umba

Operations Officer at Umba

Senior Backend Engineer at Umba

Trade Finance and Export Partnerships Manager at Umba

Call Centre Intern at Umba

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