About Umba
Umba is a pan-African digital bank operating in Kenya and Nigeria, with a mission to make financial services more accessible, affordable, and empowering for millions of people across Africa.
We’re transforming how banking works on the continent by building intelligent, automated financial products powered by machine learning. Our platform offers digital banking, lending, and payments through Android, iOS, and Web applications, serving both individuals and businesses at scale.
Headquartered in Nairobi, Umba acquired a licensed deposit taking microfinance bank in 2023 and has since grown revenue more than sixfold.
We’re looking for exceptional people who share our ambition, energy, and belief that technology can unlock financial freedom. Join us as we build Africa’s leading digital bank.
We’re looking for an experienced Back-End / Full-Stack Engineer to design, build, and scale the core services that power Umba’s digital banking platform.
You’ll work primarily in Python (Flask, FastAPI), building secure, high-performance APIs used by tens of thousands of customers across Africa — while also contributing across the stack where needed.
This is not a traditional engineering role.
We operate in an AI-native development environment, where engineers leverage tools like Claude Code, Codex, and other LLM-based systems to accelerate development, generate code, and iterate quickly.
As a result, the role increasingly focuses on:
You’ll collaborate closely with the Data and Product teams to shape our architecture and ship features quickly and reliably.
This is a highly technical, in-office role based in Nairobi. You’ll join a small, high-performing team operating at speed, where ownership is expected and impact is immediate.
AI-Native Engineering Experience (increasingly important):
Bonus:
Work Status
Umba is proud to be an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected veteran status, age, or any other characteristic protected by law. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you have a disability or special need that requires accommodation, please let us know.
Umba is an African digital bank, offering bank accounts and financial services to our customers.
We provide an ecosystem of connected financial services that allows the customer complete control of their finances all in one App.
At Umba, we believe in the power of financial inclusion to drive economic growth. As a leading digital bank, we are committed to providing innovative solutions that empower both employers and employees to achieve financial stability and reach their full potential.
Umba launched in Nigeria in January 2021, and in Kenya in April 2023, via the acquisition of an existing Microfinance bank.
Our digital platform offers seamless access to a wide range of banking services, including account management, payments, loans, savings, and more. We leverage technology and data-driven insights to streamline processes and make banking faster, smarter, and more convenient than ever before.
But we are not just a bank. We are a partner, a trusted advisor, and a catalyst for growth. Our team of talented professionals is passionate about our mission, and we work tirelessly to deliver personalized service and tailored solutions to our customers. With our extensive network and expertise, we are well-positioned to support our customers at every stage of their journey.
Join us at Umba, and be part of a dynamic team that is reshaping the future of banking. Together, we can unlock the potential of businesses, transform lives, and drive sustainable economic development. Connect with us on LinkedIn, Facebook, and Instagram to learn more about our innovative solutions and the exciting opportunities that await you at Umba.
