The Regional Agribusiness Relationship Manager will be responsible for driving the growth and development of BPR Bank Rwanda's agribusiness portfolio within the assigned region. The role will focus on identifying, originating, structuring, managing and monitoring agribusiness financing opportunities across priority agricultural value chains. The RM will work closely with branches, Business Bankers, customers, cooperatives, aggregators, processors, exporters, development partners and other value-chain stakeholders to build a strong and sustainable agribusiness pipeline. The position will also support the implementation of BPR's Agribusiness Strategy by providing specialized agribusiness expertise to branches and ensuring effective execution of agribusiness products, value-chain financing solutions and strategic partnerships.
•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 valuechain 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.
•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.
•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.
•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.
•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.
•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.
•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.
•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.
•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.
•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.
•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.