Head Agriculture Banking
2025-05-14T10:16:06+00:00
Zambia National Commercial Bank Plc
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https://www.zanaco.co.zm/
FULL_TIME
Lusaka
Lusaka
10101
Zambia
Banking
Management
2025-05-28T17:00:00+00:00
Zambia
8
Reference Number
HCBPAC130520253
Description
JOB PURPOSE
To develop and drive the Bank’s Agriculture Banking strategy, identifying growth opportunities across the entire food and agriculture value chain while ensuring process excellence. Deliver sustainable and profitable revenue growth through world-class sales management balanced with robust risk controls. Grow the Agriculture Banking customer base, revenue, and profitability in line with agreed targets, with specialized focus on the unique needs of agricultural clients from smallholder farmers to large agribusinesses.
JOB RESPONSIBILITIES
Leadership, People and Strategy:
- Build, lead and upskill a team of specialist Agriculture Bankers, ensuring collaboration with product partners (Trade, Treasury, Digital) and stakeholders (government agencies, development partners).
- Implement and customize the Bank’s strategic plans for Agriculture Banking, delivering a compelling Agriculture Customer Value Proposition (CVP) tailored to:
- Input suppliers (seeds, fertilizers, equipment)
- Primary producers (smallholders, cooperatives, commercial farms)
- Processors & aggregators (warehouse financing, agro-processing)
- Distributors & exporters (cold chain logistics, trade finance)
- Drive the integration of agriculture-focused solutions into the Agriculture Clients segment, standardizing processes while allowing for segment-specific adaptations (e.g., seasonal repayment cycles).
- Foster continuous improvement by training teams on agri-risk assessment, digital tools and climate-smart financing
- Actively contribute to the Agriculture Banking strategy formulation with the Head of Business Banking, aligning with national food security agendas.
Business Development
- Deliver agriculture-led income growth through:
- Client acquisition: Target high-potential segments.
- Cross-selling: Bundled solutions (insurance-linked credit, input-supplier partnerships)
- Customer retention: Achieve “top-of-mind banker” status via sector expertise.
- Structure tailored agriculture financing solutions, including Green loans for sustainable practices (irrigation, renewable energy).Warehouse receipt financing and off-taker-backed facilities.
- Blended finance with development partners (e.g., climate resilience funds)
- Conduct regular farm/agribusiness visits to understand operational cycles and risks (e.g., weather, commodity prices).
- Collaborate with research institutions and industry bodies to anticipate market shifts (e.g., drought-resistant crops, export bans).
Operations and Risk Management
- Manage the Agriculture portfolio within cost budgets and NPL thresholds.
- Ensure compliance with agriculture-specific regulations (e.g., warehouse receipt laws, export subsidies).
- Monitor seasonal risks, commodity price fluctuations, and climate impacts.
- Streamline processes for seasonal demands (e.g., fast-track input financing ahead of planting seasons).
- Lead audits and implement corrective actions for agri-loan disbursements.
Stakeholder Engagement & Market Positioning
- Represent the bank in agriculture forums, trade fairs, and policy discussions.
- Collaborate with government agencies (e.g., Ministry of Agriculture, FAO) on subsidy programs.
- Train bank staff and clients on agri-finance best practices
Requirements
Qualifications/Experience
Education:
- University Degree in Agriculture Economics, Agribusiness, Finance, or MBA.
- Masters Degree as an added advantage
- Commercial credit analysis certification as an added advantage
- Minimum Experience: 5-8 years relevant experience preferably in a financial environment with exposure to commercial banking:
- Deep knowledge of agriculture value chains in [region/country].
- Proven track record in structured agri-finance (e.g., supply chain loans, receivables financing).
Competencies
- Strong sales and negotiation skills
- Strong and proven leadership skills
- Strong credit analysis and structuring skills
- Customer-centric with a strong drive for delivering customer satisfaction
- Flexible and adaptable; able to work in ambiguity
- Team player
- Efficient time management.
- Ambitious and energetic, able to get things done.
- Strong knowledge of bank products and channels
- Confident and resilient.
High level of maturity, integrity and responsibility in handling sensitive information.
Assists in identifying and evaluating the organization’s IT risk areas and provides input to the development of the Annual Audit Plan. Assigning audit guide sections or program steps to be performed by the staff member(s) assigned. Performs audit procedures, including identifying and defining issues, developing criteria, reviewing and analyzing evidence, and documenting client processes and procedures. Conducts interviews, reviews documents, develops and administers surveys, composes summary memos, and prepares working papers. Conduct data extraction, analysis and security reviews utilizing appropriate tools. Support audit and consulting engagements related to IT systems, processes, governance and security. Assesses information technology control elements to mitigate IT risks regarding the confidentiality, integrity, and availability of business information. Assisting in providing training, coaching, and guidance to internal audit staff in conducting audits and on other audit-related issues Evaluating the efforts of the staff member(s) assigned. Maintaining appropriate working relationships with bank staff and internal audit staff. Identifies, develops, and documents audit issues and recommendations using independent judgment concerning areas being reviewed. Monitoring the day-to-day progress on work assigned. Reviewing audit work papers prepared by the staff member (s) assigned to ensure satisfactory completion and initialing to evidence the review. Preparing personnel evaluation forms as required/requested Communicating audit findings to management throughout the engagement and keeping the Internal Audit Preparing the draft audit report, seeing that all findings are adequately supported, and determining those findings to be included in the report or those to be handled as minor findings. Presenting and communicating audit findings at the audit review meeting. Follow-up audit recommendations in order to verify that corrective actions are implemented to address concerns raised. Pursues professional development opportunities, including external and internal training and professional association memberships, and sharing information gained with co-workers. Keep abreast and follow latest developments in the internal audit function, particularly in the area of IT audit techniques. Develop, improve and implement internal audit processes, procedures, methodologies and working tools for conducting IT audit risk management and control activities. Maintain an up-to-date understanding of the Bank’s products, processes and procedures with special focus on IT emerging risks. Assist with providing internal control subject matter expertise for new projects, policies, procedures, or tools being implemented. Performing other work as assigned by audit management
Strong sales and negotiation skills Strong and proven leadership skills Strong credit analysis and structuring skills Customer-centric with a strong drive for delivering customer satisfaction Flexible and adaptable; able to work in ambiguity Team player Efficient time management. Ambitious and energetic, able to get things done. Strong knowledge of bank products and channels Confident and resilient.
University Degree in Agriculture Economics, Agribusiness, Finance, or MBA. Masters Degree as an added advantage Commercial credit analysis certification as an added advantage Minimum Experience: 5-8 years relevant experience preferably in a financial environment with exposure to commercial banking: Deep knowledge of agriculture value chains in [region/country]. Proven track record in structured agri-finance (e.g., supply chain loans, receivables financing).
JOB-68246d665f8e5
Vacancy title:
Head Agriculture Banking
[Type: FULL_TIME, Industry: Banking, Category: Management]
Jobs at:
Zambia National Commercial Bank Plc
Deadline of this Job:
Wednesday, May 28 2025
Duty Station:
Lusaka | Lusaka | Zambia
Summary
Date Posted: Wednesday, May 14 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Reference Number
HCBPAC130520253
Description
JOB PURPOSE
To develop and drive the Bank’s Agriculture Banking strategy, identifying growth opportunities across the entire food and agriculture value chain while ensuring process excellence. Deliver sustainable and profitable revenue growth through world-class sales management balanced with robust risk controls. Grow the Agriculture Banking customer base, revenue, and profitability in line with agreed targets, with specialized focus on the unique needs of agricultural clients from smallholder farmers to large agribusinesses.
JOB RESPONSIBILITIES
Leadership, People and Strategy:
- Build, lead and upskill a team of specialist Agriculture Bankers, ensuring collaboration with product partners (Trade, Treasury, Digital) and stakeholders (government agencies, development partners).
- Implement and customize the Bank’s strategic plans for Agriculture Banking, delivering a compelling Agriculture Customer Value Proposition (CVP) tailored to:
- Input suppliers (seeds, fertilizers, equipment)
- Primary producers (smallholders, cooperatives, commercial farms)
- Processors & aggregators (warehouse financing, agro-processing)
- Distributors & exporters (cold chain logistics, trade finance)
- Drive the integration of agriculture-focused solutions into the Agriculture Clients segment, standardizing processes while allowing for segment-specific adaptations (e.g., seasonal repayment cycles).
- Foster continuous improvement by training teams on agri-risk assessment, digital tools and climate-smart financing
- Actively contribute to the Agriculture Banking strategy formulation with the Head of Business Banking, aligning with national food security agendas.
Business Development
- Deliver agriculture-led income growth through:
- Client acquisition: Target high-potential segments.
- Cross-selling: Bundled solutions (insurance-linked credit, input-supplier partnerships)
- Customer retention: Achieve “top-of-mind banker” status via sector expertise.
- Structure tailored agriculture financing solutions, including Green loans for sustainable practices (irrigation, renewable energy).Warehouse receipt financing and off-taker-backed facilities.
- Blended finance with development partners (e.g., climate resilience funds)
- Conduct regular farm/agribusiness visits to understand operational cycles and risks (e.g., weather, commodity prices).
- Collaborate with research institutions and industry bodies to anticipate market shifts (e.g., drought-resistant crops, export bans).
Operations and Risk Management
- Manage the Agriculture portfolio within cost budgets and NPL thresholds.
- Ensure compliance with agriculture-specific regulations (e.g., warehouse receipt laws, export subsidies).
- Monitor seasonal risks, commodity price fluctuations, and climate impacts.
- Streamline processes for seasonal demands (e.g., fast-track input financing ahead of planting seasons).
- Lead audits and implement corrective actions for agri-loan disbursements.
Stakeholder Engagement & Market Positioning
- Represent the bank in agriculture forums, trade fairs, and policy discussions.
- Collaborate with government agencies (e.g., Ministry of Agriculture, FAO) on subsidy programs.
- Train bank staff and clients on agri-finance best practices
Requirements
Qualifications/Experience
Education:
- University Degree in Agriculture Economics, Agribusiness, Finance, or MBA.
- Masters Degree as an added advantage
- Commercial credit analysis certification as an added advantage
- Minimum Experience: 5-8 years relevant experience preferably in a financial environment with exposure to commercial banking:
- Deep knowledge of agriculture value chains in [region/country].
- Proven track record in structured agri-finance (e.g., supply chain loans, receivables financing).
Competencies
- Strong sales and negotiation skills
- Strong and proven leadership skills
- Strong credit analysis and structuring skills
- Customer-centric with a strong drive for delivering customer satisfaction
- Flexible and adaptable; able to work in ambiguity
- Team player
- Efficient time management.
- Ambitious and energetic, able to get things done.
- Strong knowledge of bank products and channels
- Confident and resilient.
High level of maturity, integrity and responsibility in handling sensitive information.
Work Hours: 8
Experience in Months: 72
Level of Education: bachelor degree
Job application procedure
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