1. Leadership & Operations

• Lead and manage the Agriculture Value Chain Finance Department.
• Develop and execute strategic plans to grow the agriculture value chain lending portfolio.
• Build partnerships with agriculture value chain actors such as agricultural cooperatives, farmers, suppliers, NGOs, government agencies, and agribusinesses.
• Design and implement policies, SOPs, and service standards for agricultural value chain lending.

2. Agricultural Value Chain Loan Product Development

• Lead the development of an investment strategy within Cambodia’s agricultural value chain, including its structure, growth potential, specific areas of opportunity that enhance value chain efficiency and value addition, and financial services needed that support growth potential.
• From the investment strategy in Cambodia’s agriculture value chain, develop, refine, and manage agricultural loan products/service (input loans, seasonal loans, equipment loans, livestock loans, irrigation loans, etc.).
• Develop commodity profile for agricultural products.
• Conduct market research and feasibility studies to introduce new loan products suitable for different farming segments and lead the pilot of the new loan products.
• Adjust loan terms, pricing, and LTV ratios based on crop cycles, seasonality, and risk profiles of target value chain actors.

3. Credit Assessment & Portfolio Management

• Oversee credit assessment and approval processes for agricultural borrowers.
• Ensure accurate evaluation of crop yield, agricultural pricing, farm income, cash flow, and collateral.
• Monitor portfolio quality, delinquency trends, seasonal risk, and loan recovery performance.
• Approve high-value or complex agricultural loans within authorized limits.

4. Risk Management

• Identify and manage risks related to climate, pests, market volatility, and borrower repayment capacity.
• Develop mitigation strategies such as crop-based scoring models, insurance linkages, and diversified portfolios.
• Implement regular field visits, farm inspections, and portfolio reviews.
• Ensure proper documentation, compliance, and fraud prevention.

5. Business Growth & Relationship Building

• Strengthen relationships with agriculture value chain actors such as farmers, cooperatives, agribusinesses, and supply-chain partners.
• Lead outreach programs to increase awareness of agricultural value chain lending products.
• Identify new markets and opportunities for expansion, including digital agri. finance.
• Support financial literacy and capacity-building initiatives for agriculture value chain actors (farming communities, collectors, and so on).

6. Reporting & Compliance

• Ensure all operations comply with internal policies, regulatory requirements, and agricultural finance guidelines.
• Prepare periodic performance reports, forecasts, and recommendations for senior management.
• Coordinate with internal audit, compliance, and risk departments.

7. Perform other duties as assigned by supervisor.

• Bachelor’s degree in Finance, Agriculture, Economics, Rural Development, or related field (Master’s preferred).
• Minimum 5–7 years of experience in agriculture value chain development, agricultural lending, agri-business banking, or rural finance.
• Strong understanding of agriculture sector/commodity cycles (crop etc), farm economics, production risks, and agri. value chains.
• Experienced in credit analysis, portfolio management, and team leadership.
• Ability to work with rural communities and conduct field assessments.
• Strong interpersonal skills and mentoring abilities, with a collaborative and leaning-oriented mindset.
• Demonstrates creative problem-solving skills by introducing novel approaches that drive efficiency and add value beyond traditional methods.
• Strong communication, analytical, and decision-making skills.