Job Description

1. KEY RESPONSIBILITIES

A. Agribusiness Business Development and Origination

• Identify and develop new agribusiness business opportunities within the assigned region.
• Build and maintain a strong pipeline of qualified agribusiness customers and transactions.
• Acquiring new customers across priority agricultural value chains.
• Develop relationships with farmers, cooperatives, aggregators, processors, traders, exporters and other value-chain participants.
• Conduct regular field visits to understand customers' businesses, production cycles, financing needs and cash flow.
• Promote BPR's agribusiness financing products and value-chain solutions.
• Work with branches to identify and convert viable agribusiness opportunities into bankable transactions.

B. Value-Chain Financing

• Develop a strong understanding of BPR bank priority value chains,
• Map key actors and financing requirements within assigned value chains.
• Identify anchor-led and ecosystem financing opportunities.
• Support the development and implementation of value-chain financing models.
• Assess business cycles, production cycles, market arrangements, off-take agreements and cash-flow structures when developing financing proposals.
• Coordinate with relevant internal teams to structure appropriate financing solutions for agribusiness customers.

C. Credit Origination and Structuring

• Originate quality agribusiness financing proposals in line with the Bank's credit policies and risk appetite.
• Conduct preliminary assessment of customers' businesses, financing needs, repayment capacity and key risks.
• Prepare or coordinate the preparation of complete and quality credit applications.
• Ensure appropriate documentation and supporting information are provided for credit assessment.
• Work closely with Credit and other relevant functions to facilitate timely processing of agribusiness transactions.
• Monitor the progress of submitted applications and support resolution of outstanding requirements.
• Contribute to reducing turnaround time for viable agribusiness transactions.

D. Portfolio Management and Monitoring

• Manage and monitor the assigned agribusiness portfolio to ensure sustainable growth and portfolio quality.
• Conduct regular customer and field visits to monitor financed activities.
• Monitor repayment performance, business performance, production cycles and emerging risks.
• Identify early warning signals and escalate potential portfolio risks promptly.
• Support branches in the monitoring of financed agricultural activities.
• Ensure compliance with approved facility conditions and Bank policies.
• Support recovery and remedial actions for distressed accounts where required.

E. Branch Support and Regional Coordination

• Act as the dedicated agribusiness resource person for assigned branches within the region.
• Work closely with Branch Managers, Business Bankers and Universal Bankers to generate and develop agribusiness opportunities.
• Support designated branch Agribusiness Bankers in achieving their agribusiness KPIs.
• Provide technical guidance on agribusiness opportunities and value-chain financing.
• Conduct regular branch visits and pipeline review meetings.
• Support branch teams in customer identification, relationship management and transaction structuring.
• Share market intelligence and agribusiness opportunities with the Agribusiness Lead.

F. Partnerships and Ecosystem Development

• Identify and develop relationships with development partners, DFIs, government institutions, cooperatives, value-chain organizations and other strategic partners.
• Support mobilization of DFI funding, guarantees, risk-sharing facilities and technical assistance.
• Identify opportunities for partnership-based agribusiness financing.
• Support implementation and monitoring of strategic agribusiness partnerships.
• Represent BPR in relevant agricultural forums, value-chain meetings and stakeholder engagements.
• Contribute to generating partner incentives and other non-interest income opportunities.

G. Market Intelligence and Strategy Implementation

• Monitor developments in agricultural markets, commodity prices, production trends and value-chain dynamics.
• Identify emerging agribusiness opportunities and risks within the assigned region.
• Provide regular market intelligence to the Agribusiness Lead and relevant business teams.
• Support the implementation of BPR's Agribusiness Strategy and approved value-chain propositions.
• Identify opportunities for new agribusiness products and financing solutions based on customer and market needs.

H. Capacity Building and Knowledge Sharing

• Conduct or coordinate agribusiness awareness and capacity-building sessions for branch teams.
• Support training of Business Bankers and Universal Bankers on agribusiness opportunities and products.
• Share knowledge on agricultural value chains, financing structures and sector risks.
• Support customer financial literacy and capacity-building initiatives where relevant.

I. Reporting and Performance Management

• Maintain an up-to-date regional agribusiness pipeline.
• Prepare regular reports on portfolio performance, pipeline, disbursements, deposits, customer acquisition and partnerships.
• Track performance against assigned agribusiness KPIs.
• Provide accurate and timely information required for management reporting.
• Escalate material business, operational, credit or portfolio risks to the Agribusiness Lead.

1. QUALIFICATIONS AND EXPERIENCE

Education

• Bachelor's degree in Agribusiness, Agricultural Economics, Agriculture, Economics, Finance, Business Administration, Banking or a related field.
• A master’s degree in a relevant field is an added advantage.

Professional Experience

• Minimum 5 years of relevant experience in banking, agribusiness finance, SME finance, agricultural value-chain development or a related field.
• Demonstrated experience in relationship management, business development and credit origination.
• Experience in agriculture or value-chain financing will be highly preferred.
• Experience working with cooperatives, aggregators, processors, exporters, development partners or other agricultural ecosystem actors is an added advantage.
• Proven experience in portfolio management and customer acquisition.

1. TECHNICAL COMPETENCIES

The successful candidate should demonstrate:

• Strong knowledge of agribusiness and agricultural value chains.
• Strong relationship management and business development skills.
• Understanding of SME and agribusiness credit assessment and structuring.
• Ability to analyze business cash flows and agricultural production cycles.
• Knowledge of value-chain and ecosystem financing.
• Understanding of credit risk and portfolio management.
• Strong financial and business analysis skills.
• Knowledge of DFI, guarantee and risk-sharing facilities is an advantage.
• Strong report-writing and presentation skills.
• Good knowledge of the Rwandan agricultural sector.

1. BEHAVIOURAL COMPETENCIES

• Strong customer focus.
• Business development and commercial orientation.
• Strong negotiation and influencing skills.
• Excellent communication and interpersonal skills.
• Results-oriented and self-driven.
• Ability to work independently in the field.
• Strong teamwork and collaboration.
• Good planning and organization.
• Strong problem-solving skills.
• High level of integrity and accountability.
• Ability to build and maintain relationships with multiple stakeholders.

1. KEY WORKING RELATIONSHIPS

Internal

• Agribusiness Lead / Agribusiness Manager
• Branch Managers
• Business Bankers and Universal Bankers
• Credit Department
• Risk Management
• Operations
• Finance
• Legal
• Product and Business teams
• Other relevant Bank functions

External

• Farmers and farmer organizations
• Cooperatives
• Aggregators
• Processors and Millers
• Exporters
• Anchor companies
• Government institutions
• DFIs and development partners
• Donor-funded programs
• Industry associations and other agricultural stakeholders

1. AUTHORITY AND ACCOUNTABILITY

The Regional Agribusiness Relationship Manager will be accountable for the quality and growth of the agribusiness business generated within the assigned region, while operating within the Bank's approved policies, procedures, risk appetite and delegated authorities.

The RM will not independently approve credit facilities outside the Bank's approved authority framework but will be responsible for quality origination, proper structuring, documentation, customer management, monitoring and timely escalation of risks.

1. ROLE PURPOSE IN ONE SENTENCE

To grow a quality and profitable agribusiness portfolio by originating and structuring viable agricultural businesses, developing value-chain and ecosystem relationships, supporting branches, mobilizing deposits and partnerships, and ensuring effective portfolio management within the assigned region