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.
Job Summary:
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
Skills & Competencies
Strong deal structuring and analytical capability
In-depth knowledge of trade finance products and export ecosystems
Business development and relationship management skills
Risk assessment and portfolio management capability
Strong understanding of regulatory and compliance requirements
Strategic thinking and execution ability
Leadership and team management skills
High level of commercial acumen and results orientation
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