Joel is the Chief Executive and Director of Flyhub Uganda Limited, a fintech subsidiary under Stanbic Uganda Holdings Limited. As a Certified digital money practitioner with expertise in digital product development, business process mapping, and technology project management, Muhumuza has ten years of experience in the digital financial services arena having worked in Uganda, Kenya, Zambia, USA and South Africa.

Prior to joining Fly Hub in 2021 as the Chief Executive, he held roles as the Country Director for JUMO East Africa(Uganda and Kenya)- a digital lending Fintech where he launched Mosente, the second mobile credit product on the MTN menu, and Manager Financial Services at Financial Sector Deepening Uganda(FSDU) in which he was a grants manager, investment analyst and program lead under the DFID and Gates programs for inclusive finance running interventions in microfinance, bulk payments, Group savings, and loans and helped create the Fintech Association-FITSPA.

Joel has an MBA from Southern University in Baton Rouge, Louisiana where he specialized in Technology and product management, a slight shift from his undergraduate focus on finance and economics. While in Louisiana he developed a love for Seafood, live music, hiking and Continental philosophy which you can find him talking about on his podcast “What The Theory”