Agricultural Credit Portfolio Manager Job Vacancy in Thika, Kenya – Banking & Financial Services

Job Description

Position:Agricultural Credit Portfolio Manager

Company:KCB Bank Kenya

Location:Thika, Kenya

Experience:5-7 years in credit analysis, agricultural finance or related fields

Education:Bachelor’s degree in Finance, Agriculture, Economics or related discipline

Employment Type:Full-time

Industry:Banking & Financial Services

Department:Credit & Risk Management

Salary:SSP 150,000 – SSP 250,000 per month

Vacancies:1

Company Overview

KCB Bank Kenya, a subsidiary of the Kenya Commercial Bank Group, is one of the leading financial institutions in East Africa with a strong presence across Kenya, Uganda, Tanzania, Rwanda and South Sudan. With a heritage spanning over six decades, KCB is renowned for its commitment to financial inclusion, innovative banking solutions, and robust risk management practices. The bank serves a diverse client base that includes retail customers, SMEs, large corporates, and the agricultural sector, which remains a cornerstone of Kenya’s economy. KCB’s dedication to sustainable growth and community development makes it an attractive employer for professionals seeking meaningful career opportunities in Kenya. As part of its strategic focus on agribusiness, KCB continuously expands its portfolio of agricultural financing products, supporting farmers, agribusinesses, and value‑chain participants to enhance productivity and market access. This emphasis creates a dynamic environment for talent looking to contribute to Kenya Jobs that drive economic transformation.

Job Overview

The Agricultural Credit Portfolio Manager will lead the development, management, and growth of KCB’s agricultural credit portfolio in the Thika region and surrounding counties. Reporting to the Head of Credit & Risk Management, the role involves assessing credit risk, structuring loan facilities, and ensuring compliance with regulatory and internal policies. The manager will collaborate closely with relationship managers, product development teams, and field officers to design tailored financing solutions that meet the unique needs of farmers, agribusinesses, and cooperatives. This position offers a unique opportunity to influence the bank’s agricultural lending strategy, contribute to rural development, and play a pivotal role in expanding KCB’s market share in the agribusiness sector. Candidates will be part of a forward‑thinking team that values innovation, integrity, and customer‑centricity, making this a prime Career Opportunity in Kenya for finance professionals.

For more information, visit https://kenyajobsearch.com.

Key Responsibilities

• Analyze and evaluate credit proposals from farmers, agribusinesses, and cooperatives, ensuring alignment with KCB’s risk appetite and underwriting standards.
• Develop and maintain a diversified agricultural loan portfolio, targeting high‑growth sub‑sectors such as horticulture, dairy, and cash crops.
• Monitor portfolio performance, conduct periodic reviews, and implement corrective actions to mitigate delinquency and default risk.
• Collaborate with product development teams to design innovative financing products, including value‑chain financing, warehouse receipts, and climate‑smart loans.
• Provide mentorship and training to relationship managers and field officers on agricultural credit assessment techniques and market trends.
• Prepare detailed credit reports, risk assessments, and portfolio dashboards for senior management and regulatory bodies.
• Stay abreast of agricultural policies, market dynamics, and emerging technologies that impact credit risk and opportunity.

Required Skills

• Strong analytical and financial modeling abilities with a focus on agricultural economics.
• In‑depth knowledge of Kenya’s agricultural sector, value chains, and regulatory environment.
• Excellent communication and negotiation skills to interact with diverse stakeholders.
• Proficiency in credit risk assessment tools, loan management systems, and MS Office suite.
• Leadership qualities with a track record of managing cross‑functional teams.
• Ability to work independently, prioritize tasks, and meet tight deadlines.

Education

The successful candidate must hold a Bachelor’s degree in Finance, Agriculture, Economics, Business Administration, or a related field. Professional certifications such as CFA, CPA, or a recognized credit risk qualification are advantageous but not mandatory.

Experience

Applicants should possess a minimum of five to seven years of experience in credit analysis, agricultural financing, or related banking functions. Prior experience in portfolio management, risk mitigation, and client relationship development within the agricultural sector is essential.

Salary

KCB offers a competitive remuneration package ranging from SSP 150,000 to SSP 250,000 per month, commensurate with experience and qualifications. The package includes performance‑based bonuses, health insurance, pension contributions, and other employee benefits.

Benefits

• Comprehensive health and medical coverage.
• Retirement savings plan with employer matching.
• Performance‑linked incentives and annual bonuses.
• Professional development allowance and sponsorship for certifications.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering KCB’s credit policies, agricultural products, and risk management frameworks.
• Continuous learning workshops on agribusiness trends, digital lending platforms, and regulatory updates.
• Leadership development tracks for high‑potential employees.

Working Environment

The role is based in Thika’s modern KCB branch office, offering a collaborative workspace equipped with the latest banking technology. Employees benefit from a supportive culture that encourages innovation, knowledge sharing, and work‑life balance. The bank promotes a diverse and inclusive environment where all staff are valued for their contributions.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through KCB’s online career portal. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews. Additional resources are available at https://www.angolajobsearch.com/.

Equal Opportunity Statement

KCB Bank Kenya is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive workplace where all employees, regardless of gender, ethnicity, disability, or background, can thrive. All qualified applicants will receive consideration for employment without regard to any protected characteristic.