# RM Agribusiness Fishing & Aquaculture Specialist

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Company: Equity Bank Tanzania

Category: Banking & Financial Services

Location: Tanzania, Dar es Salaam, Dar es Salaam

Work type: Full-time

Work arrangement: On-site

Published: 2026-09-29

Expires: 2026-10-12

## Job Description

Organization: Equity Bank Tanzania LtdPosition: RM Agribusiness Fishing & Aquaculture SpecialistJob Level: ManagerEmployment Type: RegularJob Shift: Day JobExperience Required: Minimum 7-10 YearsJob Posting Date: 29 September 2026 Pasted text ABOUT EQUITY BANK TANZANIA Equity Bank Tanzania Limited is a subsidiary of Equity Group Holdings PLC, a Pan-African Financial Services Group with operations in six countries namely Kenya, Rwanda, DRC, Uganda, Tanzania, and South Sudan. The Group also has ambition to grow its footprint to a further six countries by 2030. The scope of the business cuts across Banking, Insurance, Technology, and Social Enterprise. The business model is underpinned by Social, Economic and Sustainability engines (Tri-Engine Model) that capacitate value chains sustainably and support communities. Pasted text THE ROLE PURPOSE The RM Agribusiness Cage Fishing & Aquaculture Specialist will be responsible for developing, managing, and growing Equity Bank Tanzania's commercial portfolio within the fisheries, cage fishing, aquaculture, and associated aquatic value chains. The role will provide specialized relationship management and technical support to fish farmers, cage-farming enterprises, hatcheries, feed suppliers, fish aggregators, processors, traders, cold-chain operators, equipment suppliers, cooperatives, off-takers, and other fisheries and aquaculture value chain actors. The role holder will identify, originate, structure, and manage quality financing opportunities across the aquaculture and fisheries ecosystem, while growing loans, deposits, transaction banking, and other financial products. The role will support customers to improve production efficiency, productivity, profitability, market access, and financial sustainability. The RM will serve as a technical and commercial resource on aquaculture and cage-farming value chains, with particular emphasis on production cycles, stocking densities, fingerling quality, feed management, fish health, cage infrastructure, water quality, harvesting, processing, market dynamics, and associated business and environmental risks. The position will contribute to financial inclusion and sustainable blue-economy development by linking fish farmers and fisheries enterprises to financial services, markets, technology, technical expertise, and strategic ecosystem partners. Pasted text KEY RESPONSIBILITIES Aquaculture & Fisheries Relationship Management Develop and manage strategic relationships with fish farmers, cage-farming enterprises, hatcheries, fishing enterprises, cooperatives, aggregators, processors, traders, feed suppliers, equipment providers, and off-takers. Build and maintain a strong pipeline of quality aquaculture, fisheries, and related agribusiness customers. Conduct customer visits, farm/site visits, cage-farm assessments, business reviews, and value chain assessments. Understand customers' production models, operating cycles, cash flows, financing needs, market arrangements, and growth opportunities. Develop and implement customer acquisition, retention, and portfolio deepening strategies. Identify opportunities to cross-sell loans, deposits, insurance, payments, digital banking, and other relevant financial solutions. Act as the primary relationship contact for assigned customers and coordinate resolution of customer issues with internal teams. Pasted text Cage Fishing & Aquaculture Value Chain Development Develop strong technical and commercial knowledge of cage aquaculture and fisheries value chains, including tilapia and other commercially viable fish species. Map aquaculture value chains to identify commercially viable financing opportunities, gaps, risks, and opportunities for value addition. Identify strategic anchor enterprises, hatcheries, feed manufacturers, equipment suppliers, processors, aggregators, distributors, and off-takers. Facilitate linkages between fish farmers, fingerling suppliers, feed suppliers, equipment providers, processors, markets, and financial service providers. Support development of structured aquaculture financing models based on production cycles, stocking, feed requirements, growth periods, harvesting schedules, and market arrangements. Identify opportunities for financing cage construction, fish farming equipment, boats, cold storage, transport, processing, feed, fingerlings, working capital, and other productive assets. Monitor fish prices, feed costs, fingerling availability, market demand, disease risks, water quality, weather patterns, regulatory developments, and other factors affecting the portfolio. Identify opportunities for value addition, fish processing, cold-chain development, packaging, distribution, and market expansion. Pasted text Technical Aquaculture & Production Support Provide technical guidance on commercially viable aquaculture and cage-farming business models. Support customers to improve fish survival rates, growth rates, feed conversion, stocking management, harvesting efficiency, and profitability. Promote good practices in fingerling selection, stocking density, feed management, water-quality monitoring, fish health, cage maintenance, biosecurity, harvesting, handling, and post-harvest management. Support adoption of climate-smart and environmentally sustainable aquaculture practices. Coordinate with fisheries officers, aquaculture specialists, veterinarians, research institutions, and other qualified technical partners where specialized support is required. Promote proper production, financial, and farm records to strengthen business management and customer bankability. Support customers to understand the relationship between production performance, cash flows, profitability, and financing requirements. Pasted text Credit & Portfolio Management Originate quality aquaculture, fisheries, and related agribusiness loan applications in accordance with the Bank's credit policies. Conduct preliminary assessment of customer financial performance, production systems, cash flows, repayment capacity, collateral, assets, market arrangements, and production risks. Assess financing requirements including cage construction, boats, engines, nets, feeding equipment, aeration equipment, cold storage, fish processing equipment, fingerlings, feed, working capital, and transport. Prepare high-quality credit proposals and supporting documentation for consideration through the Bank's credit approval processes. Assess the technical and commercial viability of aquaculture and fisheries enterprises before financing. Monitor financed customers and portfolios to identify emerging production, market, environmental, and financial risks. Monitor Portfolio at Risk (PAR) and proactively initiate remedial actions for stressed accounts. Conduct periodic site visits and business reviews to assess production performance, utilization of financing, assets, inventory, and repayment capacity. Ensure compliance with credit policies, KYC, AML, environmental and social safeguards, fisheries regulations, and all applicable Bank policies and regulations. Work closely with Credit, Risk, Collections, Legal, Operations, and other relevant functions to manage portfolio risks. Pasted text Deposit & Transaction Banking Growth Mobilize deposits from fish farmers, aquaculture companies, fishing enterprises, cooperatives, processors, traders, feed companies, and other value chain actors. Promote digital payment and transaction banking solutions across fisheries and aquaculture value chains. Facilitate efficient collection and payment mechanisms between farmers, aggregators, processors, suppliers, and off-takers. Identify opportunities to increase customer wallet share through relevant banking products. Promote formal financial services among small-scale fish farmers and fisheries enterprises. Pasted text Farmer & Customer Capacity Development Organize fish farmer and aquaculture enterprise sensitization forums on financial literacy, banking products, responsible borrowing, and financial management. Support customers to prepare business plans, financial records, cash-flow projections, investment plans, and financing proposals. Facilitate awareness and training on good aquaculture practices, fish health, feed management, water quality, cage management, biosecurity, post-harvest handling, and market requirements. Support farmer groups and cooperatives to strengthen governance, record keeping, financial management, and commercial operations. Promote responsible use of agricultural finance and strengthen customers' ability to manage financing and repayment obligations. Pasted text Partnerships & Ecosystem Development Identify and develop strategic partnerships with government fisheries and aquaculture authorities, development partners, NGOs, research institutions, hatcheries, feed manufacturers, equipment suppliers, processors, off-takers, and industry associations. Develop relationships with fisheries and aquaculture cooperatives and other producer organizations. Support development of blended finance, guarantee, grant, and risk-sharing facilities that can unlock financing for fisheries and aquaculture. Participate in fisheries and aquaculture exhibitions, field days, trade fairs, farmer forums, and stakeholder meetings representing Equity Bank Tanzania. Maintain an updated database of strategic fisheries and aquaculture stakeholders and commercial opportunities. Pasted text Data, Monitoring & Reporting Maintain accurate and up-to-date customer, pipeline, portfolio, and value chain information in approved Bank systems. Track performance against targets for aquaculture and fisheries loans, deposits, customer acquisition, portfolio quality, transaction volumes, and customer reach. Prepare accurate weekly, monthly, and quarterly reports covering commercial performance, pipeline development, portfolio quality, customer activities, risks, and opportunities. Analyse aquaculture and fisheries market data to identify trends, risks, and opportunities. Collaborate with Monitoring & Evaluation and other relevant teams to collect and validate commercial and program performance data. Undertake any other business activities as required by organizational needs. Pasted text CORE ACCOUNTABILITIES AND DELIVERABLES Growth in aquaculture, cage-farming, fisheries, and related agribusiness loans and advances. Growth in deposits and transaction banking revenues from fisheries and aquaculture customers. Quality and value of the aquaculture and fisheries financing pipeline. Achievement of agreed disbursement and portfolio growth targets. Maintenance of acceptable PAR and non-performing loan levels. Growth in number and value of active aquaculture and fisheries customers. Growth in fish farmer, cooperative, processor, aggregator, trader, and off-taker accounts. Number and value of strategic aquaculture and fisheries partnerships developed. Number and value of blended finance, guarantee, grant, or risk-sharing opportunities supported. Number of fish farmers and value chain actors reached, onboarded, and activated. Pasted text EXPERIENCE REQUIREMENTS Minimum 7-10 years of relevant experience in aquaculture, fisheries, agribusiness, agricultural finance, commercial banking, value chain development, relationship management, or a related field. At least 3-5 years of experience managing aquaculture/fisheries customers, portfolios, value chains, or fisheries and aquaculture development programs. Demonstrated experience in originating and managing agricultural, fisheries, aquaculture, or agribusiness loans and/or portfolios. Practical experience working with fish farmers, cage-farming enterprises, fisher groups, hatcheries, processors, aggregators, feed companies, off-takers, or aquaculture MSMEs. Proven practical experience in aquaculture production, cage farming, fisheries, fish aggregation, processing, marketing, or value chain development. Demonstrated experience in assessing aquaculture and fisheries enterprises, preparing business/credit proposals, and evaluating repayment capacity. Experience facilitating access to finance and markets for fish farmers and fisheries/aquaculture MSMEs. Pasted text ACADEMIC QUALIFICATIONS AND CERTIFICATIONS University degree in: Aquaculture Fisheries Fisheries Science Aquatic Sciences Animal Science Agriculture Agribusiness Management Agricultural Economics Agricultural Finance Economics Business Administration Finance Or a related field. Professional qualifications in banking, finance, credit, relationship management, project management, or agribusiness are an added advantage. Relevant certifications in aquaculture, fisheries management, blue economy, agricultural value chains, climate-smart agriculture, financial inclusion, credit management, or sustainable finance are desirable. Commitment to Equity Bank Tanzania's values of Professionalism, Integrity, Creativity & Innovation, Teamwork, Unity of Purpose, Respect, and Effective Corporate Governance (PICTURE). Pasted text HOW TO APPLY The provided job description does not contain specific application instructions, an application email, an application link, or an application deadline.

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