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Njamba Kapalu has a diverse work experience spanning various roles and industries. Njamba started their career at Airtel Zambia PLC as a Territory Sales Manager. Njamba then moved on to FNB Zambia, where they held several roles including Business Customer Advisor, Relationship Analyst SME, Relationship Analyst Core Commercial, and Credit Analyst. Njamba later joined Open Capital as a Management Consultant, where they provided advisory services to businesses and investors across Africa. Njamba also worked as a Lecturer at African Christian University. Currently, Njamba is at M-KOPA, where they have held positions such as Senior Manager Market Development, Retail and Logistics Manager (Secondment), and Senior Manager Operational Excellence. Njamba is currently serving as the Head of Sales.

Njamba Kapalu completed their education history as follows:

From 2020 to 2021, Njamba attended the University of the Witwatersrand and obtained a Master of Management in Finance and Investments degree, specializing in Finance.

Between 2010 and 2013, Njamba studied at Nelson Mandela University, earning a Bachelor of Commerce degree in Business Management.

From 2003 to 2008, Njamba attended Simba International School, but no specific degree or field of study was mentioned for this period.

In terms of additional certifications, Njamba became an Associate Member of the Institute of Credit Management of South Africa in December 2020. In 2011, Njamba also became an Associate Member of the Golden Key International Honour Society, although the exact month of obtaining this certification was not provided.