Regional Agribusiness Relationship Managers

2. 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.

4. 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.

5. 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.

6. 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.

7. KEY WORKING RELATIONSHIPS

Internal