The Agribusiness Relationship Manager (Agri RM) is responsible for originating, developing, and managing profitable agribusiness relationships across the entire agricultural value chain, with a strong focus on market-driven agriculture. The role drives business growth through acquisition and management of commercial farmers, aggregators, processors, off-takers, cooperatives, input suppliers, exporters, and other strategic value chain players while supporting primary production financing. The Agri RM creates sustainable ecosystems that improve market access, strengthen value-chain linkages, mobilize deposits, grow quality lending portfolios, and enhance the bank’s position as the preferred agribusiness partner.
Key Responsibilities
- Agribusiness Value Chain Development: Drive agribusiness growth through identification and acquisition of clients across priority agricultural value chains. Develop and manage relationships with commercial and large-scale farmers, farmer cooperatives, aggregators, agro-processors, off-takers, input suppliers, exporters, and livestock value chain participants. Build integrated value-chain financing programs and champion ecosystem-based banking solutions.
- Market Access & Structured Agriculture Financing: Lead market-access initiatives by creating partnerships with processors, exporters, retailers, factories, and institutional buyers. Structure bankable financing models anchored on signed contracts, warehouse receipt systems, supply agreements, and value-chain relationships. Promote contract farming and aggregation.
- Strategic Partnerships & Risk Sharing: Develop relationships with development partners, guarantee providers, insurers, government agencies, NGOs, and agricultural support institutions. Structure and leverage risk-sharing facilities, credit guarantees, blended finance programs, and agricultural insurance solutions.
- Relationship Management & Business Growth: Manage and grow a portfolio of agribusiness clients while deepening wallet share through cross-selling. Mobilize low-cost deposits and drive non-funded income opportunities.
- Credit Origination & Portfolio Management: Source, assess, structure, and recommend agribusiness credit facilities. Conduct value-chain analysis, cashflow assessments, and risk evaluations. Prepare quality credit proposals and monitor portfolio performance.
- Primary Agriculture & Farm Financing: Support financing solutions for crop, livestock, dairy, poultry, fisheries, horticulture, and other primary production enterprises. Advise farmers on working capital, seasonal finance, mechanization, and productivity-enhancing investments.
- Risk, Governance & Compliance: Ensure compliance with regulatory, credit, AML/KYC, and internal risk management requirements.
Qualifications and Experience
- Bachelor’s Degree in Agriculture, Agribusiness, Agricultural Economics, Finance, Banking, Business, or related field.
- Professional banking qualification (AKIB/ACIB or equivalent) is an added advantage.
- Minimum 5–7 years’ experience in relationship management, agribusiness banking, agricultural finance, or value-chain development.
- Demonstrated experience working with commercial farmers, processors, aggregators, cooperatives, development partners, and agricultural value-chain actors.
- Strong understanding of agricultural production systems, commodity markets, structured finance, and risk-sharing mechanisms.
