Posted: 12/9/2025

    Capital & Strategic Finance Lead

    Umba
    Nairobi, Kenya
    FULL TIME
    ON SITE
    Senior
    Banking, Insurance & Financial Services

    Job Description

    Umba is a multi-country digital bank operating in Kenya and Nigeria, offering consumer and SME banking, vehicle finance, payments, and cross-border remittances.

    Umba acquired Daraja MFB in 2023 to offer full deposit taking banking services in Kenya. We are entering a high-growth phase and are seeking a Capital & Strategic Finance Lead to drive our fundraising, debt structuring, investor relations, and capital strategy across all markets.

    This role is a core part of the leadership team. You will work closely with the Group CEO and country leadership to build and execute a full capital plan, including equity raises, local-currency debt facilities, impact debt, grants, and strategic funding partnerships. You will be responsible for managing the investor pipeline, preparing materials, leading lender conversations, coordinating diligence, maintaining our capital model, and pushing momentum across all capital streams. Your expertise in financial analysis, market intelligence, and strategic planning will be essential in positioning Umba as a leading player in the fintech industry. This role requires a dynamic leader with a proven track record in capital markets, exceptional communication skills, and the ability to collaborate effectively with cross-functional teams.

    Key Responsibilities

    1. Build and manage Umba’s full capital pipeline (equity, debt, grants, strategic)
    2. Lead applications and negotiations for KES, NGN, and USD debt facilities
    3. Lead applications and negotiations for new equity rounds
    4. Maintain investor CRM, follow-up cadence, and weekly reporting
    5. Prepare and refine the pitch deck, model, and diligence materials
    6. Coordinate data room and handle investor/lender Q&A
    7. Build and maintain the financial model, stress tests, and scenario plans
    8. Identify and engage new capital partners (VC, PE, impact funds, family offices, banks, DFIs)
    9. Track capital adequacy, balance sheet strength, and regulatory requirements
    10. Drive deal processes end-to-end and push to close
    11. Build long-term capital strategy across loan book, remittances, FX, and new products

    Required Qualifications

    1. 3–7 years experience in one of: VC, PE, investment banking, impact investing, debt funds, fintech strategy/finance
    2. Deep understanding of African capital markets or emerging-market lending
    3. Strong financial modeling skills
    4. Excellent writing, organization, and follow-through
    5. High ownership, independence, and ability to run multiple deal processes
    6. Bonus: prior experience in credit, lending, FX, remittances, or digital banking

    Job Details

    Salary Type

    Monthly

    Job Function

    Accounting, Auditing & Finance

    Minimum Experience

    3 years

    Education Level

    Bachelor’s Degree

    Additional Information

    8 APPLICATION & INTERVIEW TIPS (WITH EXAMPLES)


    1. Demonstrate Mastery of Capital Markets in Emerging Economies


    Umba operates in Kenya and Nigeria—two markets with distinct regulatory and capital-raising environments. Show that you deeply understand regional debt structures, FX dynamics, interest-rate trends, and lender expectations.

    Example:

    “In my previous role at an impact fund, I structured a NGN-denominated facility with a blended-finance component to hedge FX risk for Nigerian borrowers.”


    2. Showcase Fundraising Experience With Clear Numbers


    This role demands someone who has actually closed deals. Highlight amounts raised, types of capital, timelines, and your personal contribution.

    Example:

    “I led a USD 12M multi-instrument raise (grant + senior debt), managing the investor pipeline, diligence, and final negotiations across three DFIs.”


    3. Bring a Strong, Polished Capital Model to the Interview


    This role requires maintaining Umba’s capital model and scenario tests. Bring a model that demonstrates your structuring skills, stress-testing logic, and assumptions.

    Example:

    “Before the interview, prepare a sample model showing how a 300 bps rate increase affects capital adequacy, loan book growth, and liquidity ratios.”


    4. Speak the Language of Investors and Lenders


    Show that you can handle investor Q&A, craft pitch decks, and communicate value drivers clearly.

    Example:

    “When asked about investor engagement, say: ‘I maintain a CRM cadence with weekly updates, deal stage progress, and investor segmentation by fund thesis and ticket size.’”


    5. Illustrate Your Ability to Manage Multi-Currency Financing


    Umba operates in KES, NGN, and USD. Show you can structure, hedge, or forecast multi-currency risk.

    Example:

    “In my last role, I managed a USD facility funding a KES loan book and implemented duration-matched FX hedges to protect yield.”


    6. Highlight Your Experience Running Deal Processes End-to-End


    The role needs someone who can independently drive deals from sourcing to closing.

    Example:

    “I sourced a new PE partner, led the negotiation of term sheets, coordinated the data room, managed legal counsel, and closed a USD 5M equity round within 90 days.”


    7. Demonstrate Cross-Functional Leadership (CEO, Ops, Risk, Product)


    This role collaborates with CEOs, CFOs, risk teams, credit teams, and product managers across countries.

    Example:

    “In an equity raise, I coordinated CFO cash-flow inputs, risk team default models, and product revenue projections to ensure consistent investor documentation.”


    8. Prepare Clear Examples of Strategic Thinking, Not Just Execution


    Umba needs someone who can design long-term capital strategy, not just raise money.

    Example:

    “Explain how you built a 3-year capital roadmap blending local-currency debt for lending, impact debt for MSME credit lines, and equity to strengthen regulatory capital.”


    4 FREQUENTLY ASKED QUESTIONS (FAQ)


    1. What type of capital raises will the Capital & Strategic Finance Lead handle?


    You will work on equity rounds, local-currency debt facilities (KES, NGN), USD-denominated impact debt, strategic partnerships, and blended finance instruments.


    2. Does the role involve travel?


    Yes. Occasional travel to Nigeria or investor hubs (e.g., Nairobi, Lagos, global conferences) may be required, depending on deal processes and investor meetings.


    3. What financial tools or software should I be proficient in?


    You should be highly proficient in Excel financial modeling, CRM deal-tracking tools, data room management platforms, and professional pitch-deck tools (Google Slides/PowerPoint).


    4. What types of investors does Umba engage with?


    Umba works with VCs, private equity, DFIs, impact investors, family offices, banks, fintech-lenders, and grant-making organizations.

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    Tags

    finance
    capital markets
    fintech
    banking
    investor relations
    debt structuring
    fundraising
    financial modeling

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