Job Opportunities at Umba

We are looking for exceptional talent but also for people that share our vision, drive, and sense of mission. Come join us to build the biggest neo-bank in Africa.

Your mission at umba:

Objective : To assess and credit underwrite new business applications for the Umba Business product suite and provide input in the to decisioning process for consumer lending operations

Our credit risk envision for umba: Being a credit risk underwriter at Umba is to be the eyes of the business through advanced analytical techniques to help build a sustainable lending proposition for our customers and stakeholders

If you join us, you will have the opportunity to:

• Be an integral part of a key growth area in Umba’s businesses across Nigeria and Kenya
• Understand and engage with both SME and Consumer lending products and gain an end to end understanding of the credit lifecycle
• Ownership in developing and maintaining the credit assessment policy and procedures for onboarding SMEs
• Join a credit team that is innovating the area of credit decisioning across Africa

Things we think that would help to be a key player for this role:

• At least 2 years experience in credit underwriting at a commercial bank, OFI or fintech, in either consumer or SME lending
• For this role, intermediate knowledge of Excel is required, and SQL skills highly desirable in order to maximize data driven decisioning at Umba
• Experience of financial products, particularly lending, is a must
• Ability to analyze complex financial statements to understand the underlying cashflows of a business and make a sound judgment on credit worthiness
• Ability and desire to navigate through data, metrics or dashboards to answer business questions
• Experience of building, developing or maintaining automated credit decisioning systems is a plus

Work Status Available for hybrid work in Lagos, Nigeria

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We are looking for exceptional talent but also for people that share our vision, drive, and sense of mission. Come join us to build the biggest neo-bank in Africa.

Your mission at Umba:

Objective : To produce insights on lending origination and performance by proposing dashboards & metrics to optimize credit, leveraging data analytics and SQL skills

Our credit risk analytics envision for Umba: Being a credit risk analyst at Umba is to be the eyes of the business through advanced analytical techniques to help build a sustainable lending proposition for our customers and stakeholders

If you join us, you will have the opportunity to:

• Integrate with the credit team to proactively pursue sustainable lending growth from users by providing data insights
• Understand and engage with our app’s products and our vast data warehouse to creatively propose important metrics to look after and solve credit risk questions for team members
• Ownership in assessing and creating data support visualizations to prove or disprove hypothesis that explain metrics and user’s behavior, both recently and historically
• Discover customer’s drivers that motivate users to engage with the app’s lending products.
• Create dashboards and deep data insights exploration routines to assist the credit team’s daily tracking

Things we think that would help to be a key player for this role:

• For this role, intermediate knowledge of SQL queries is the every day’s bread. While advanced topics are a huge plus (i.e materialized views, partitions, query plan optimization, table stats, triggers, transactions and procedures), we use PostgreSQL but any other flavor is adaptable
• At least 2 years experience in business intelligence/Analytics/Data science roles with technical involvement in data manipulation or programming languages
• Experience of financial products, particularly fintech lending, is a plus
• Ability to abstract the technical complexity of a query, and easily explain the output in a business way for management team trying to understand the users and business results