Background information about the job or company

Umba combines advanced tools and techniques to optimize risk exposures in emerging markets that are currently underserved by traditional banking services.

Responsibilities or duties

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 or requirements

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

• 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.
• 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.
• 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.
• 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.
• Monitor SME market trends, customer needs, and competitor activity.
• Provide input into product development and commercial strategy.
• 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.

• Lending
• Sales
• Portfolio management
• Team management
• Credit underwriting
• Risk management
• Business development

• 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