About Umba 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.
Job Summary We are seeking a skilled and motivated Mobile App Developer to join our digital banking team.
You will be responsible for designing, developing, testing, and maintaining secure and scalable mobile banking applications that deliver a seamless user experience.
This role requires a solid understanding of mobile platforms and secure coding practices in the financial services industry.
As a self-starter, you'll take ownership of the entire mobile development lifecycle, from architecture decisions to UI / UX implementation, working independently while collaborating with our product and backend teams.
- What You'll Build - Comprehensive fintech mobile app with loan origination, KYC verification, and payment processing - Document management system with camera capture, scanning, and upload capabilities - Real-time dashboards for business banking, payroll, and account management - Multi-country platform supporting Kenya and Nigeria with localized features - Secure financial transactions with biometric authentication and fraud prevention.
Key Responsibilities Technical Leadership
Architect and develop the complete Android application using modern Android technologiesDesign intuitive user interfaces that translate complex financial workflows into simple, elegant experiencesIntegrate 100+ API endpoints for comprehensive platform functionalityImplement security best practices including certificate pinning, data encryptionBuild offline-first architecture to handle poor connectivity across African markets Product DevelopmentTranslate business requirements into technical solutions independentlyCollaborate with design and product teams to create pixel-perfect implementationsOptimize performance for large datasets and complex financial operationsImplement real-time features including notifications, messaging, and live updates Quality & InnovationEstablish testing frameworks and maintain high code quality standardsDrive technical decisions around architecture, libraries, and development practicesStay current with Android trends and introduce innovative solutions Required Qualifications5+ years of Android development with proven track record of shipping production appsExpert-level Kotlin and modern Android SDK knowledgeJetpack Compose mastery for building complex, dynamic UIsStrong architecture skills (MVVM, Clean Architecture, dependency injection)API integration expertise (Retrofit, OkHttp, REST APIs, JWT authentication)Database proficiency (Room, SQLite) and offline data synchronization Fintech Experience2+ years in financial services or fintech application developmentSecurity-focused development with understanding of financial regulationsPayment integration experience (mobile money, bank transfers, transaction processing)Document management systems and KYC / AML compliance knowledge Design & UX IntuitionStrong design sensibility with ability to implement pixel-perfect UIsMaterial Design expertise and understanding of modern design principlesUser experience focus with ability to simplify complex financial workflowsAttention to detail in animations, transitions, and micro-interactions Self-Starter QualitiesIndependent problem-solving with minimal supervision requiredProactive communication and ability to drive projects forwardTechnical decision-making skills and ownership mentalityAdaptability to fast-paced startup environment Preferred QualificationsAfrican fintech market experience (Kenya, Nigeria, or similar markets)M-Pesa or mobile money integration experienceMulti-country application development with localizationReact or TypeScript knowledge for cross-platform understandingCI / CD and DevOps experience with Android deploymentOpen-source contributions or technical writing experience Technical EnvironmentModern Android stack : Kotlin, Jetpack Compose, Material Design 3Architecture : Clean Architecture, MVVM, Dependency InjectionBackend integration : REST APIs, JWT authentication, real-time updatesTools : Android Studio, Git, CI / CD pipelinesCollaboration : Figma, Slack, GitHub, code reviews Powered by JazzHR