Umbapay Direct Sales Representatives

Role Purpose
The Direct Sales Representative will be responsible for driving loan disbursements, client acquisition, and revenue growth for Umbapay. The role demands a proactive and goal-oriented professional with strong field sales experience, strong relationship-building skills, and the ability to consistently achieve sales targets.

AboutUmba
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.

Key Responsibilities
1. Sales & Target Achievement

• Achieve or exceed monthly loan disbursement and revenue objectives.
• Execute effective sales activities in the field to drive loan uptake and client acquisition.
• Track personal performance against set KPIs and work with the team lead to address any performance gaps.

2. Client Acquisition & Relationship Management

• Prospect and onboard new clients through direct sales, referrals, and market activations.
• Guide clients through Know Your Customer (KYC) and Know Your Business (KYB) requirements.
• Clearly communicate Umbapay’s financing solutions and value proposition to potential clients.
• Build long-term client relationships to support retention, repeat business, and referrals.

3. Loan Application Support & Credit Facilitation

• Assist clients with loan applications and ensure accurate documentation is submitted.
• Provide guidance to clients on loan terms, repayment obligations, and product use.

4. Portfolio Management & Loan Recovery

• Monitor repayment schedules for assigned clients and follow up to ensure timely payments.
• Engage with clients experiencing repayment challenges and escalate cases as needed.
• Collaborate with the collections team on overdue accounts to reduce portfolio at risk (PAR).

5. Compliance & Reporting

• Ensure all client interactions and loan applications comply with internal policies and regulatory standards.
• Maintain accurate client records, loan files, and sales activity reports.
• Submit timely and accurate reports on sales performance and client engagement.

6. Market Engagement

• Stay updated on market trends, customer needs, and competitor activity.
• Identify new opportunities and provide feedback to the team lead to improve sales strategies.

Qualifications & Experience

• Diploma in Business, Finance, Marketing, or related field.
• At least 1–3 years in sales, banking, microfinance, or financial services.
• Experience in field sales or B2B client acquisition is highly desirable.
• Demonstrated ability to meet and exceed sales/loan targets.
• knowledge of credit products, risk assessment, and loan processes.
• Excellent communication, negotiation, and customer service skills.
• Ability to work independently in the field and deliver results under minimal supervision.

Key Competencies

• Sales-driven and target-oriented.
• Strong interpersonal and relationship management skills.
• Good organizational and reporting ability.
• Self-motivated, resilient, and adaptable.
• Understanding of financial products and lending practices.

Due to the urgency, applications will be reviewed on a rolling basis.
NB: Only short-listed candidates will be contacted.
Umba Microfinance Bank Limited is a proud equal opportunity employer and does
not discriminate against applicants on any basis.

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