Website Umba
Umba combines advanced tools and techniques to optimize risk exposures in emerging markets that are currently underserved by traditional banking services. The Umba platform allows users to apply, receive and repay microloans through their mobile phone while using machine learning to underwrite us… read moreing a risk score that is highly accurate and improves over time. umba has just rolled out a new online POS solution and is teaming up with some of the biggest e-commerce merchants to increase customers access to online goods and services.
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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