ABOUT SKYQUEST SkyQuest is delivering a technical assistance programme to strengthen a national agricultural development finance institution in Nigeria. The programme aims to improve the mobilisation and deployment of finance to agricultural enterprises and organisations serving smallholder farmers, particularly women and underserved producers. Our team works alongside the Institution's staff, focusing on transferring sustainable capabilities and embedding validated systems and practices. Learn more about SkyQuest: www.skyquestt.com

ABOUT THE ROLE
SkyQuest is seeking an experienced agricultural finance and credit-risk skilled for a 24-month technical assistance programme in Nigeria. The Senior Consultant will lead the agricultural finance, credit and risk workstream: assessing the Institution's existing lending capabilities, designing practical value-chain finance products, strengthening credit and portfolio-risk frameworks, and piloting and refining solutions before transferring them to the Institution's teams. This is a hands-on practitioner role for someone who has designed and implemented agricultural finance products within a bank or development finance institution (DFI).

KEY RESPONSIBILITIES
• Review credit policies, loan files and portfolio data, and assess institutional maturity in agricultural lending, credit and risk
• Consult credit, risk and branch teams and value-chain actors to identify lending constraints and opportunities
• Design agricultural finance products across priority crops and value chains, with repayment schedules aligned to production cycles
• Develop financing solutions for input suppliers, seed companies and tollers, growers,



aggregators and off-takers
• Structure off-take and warehouse-receipt-backed lending, alternative collateral solutions for smallholders, and guarantee or risk-sharing mechanisms
• Lead the design of credit policy, appraisal methodology, risk-rating and provisioning frameworks
• Integrate climate-risk considerations and digital credit-scoring solutions developed by other programme specialists
• Pilot products in selected value chains and branches, and refine them using portfolio evidence before scale-up
• Strengthen portfolio monitoring, early-warning systems, recovery processes and non-performing-loan (NPL) management
• Embed validated frameworks in credit policies, credit committees and SOPs; train teams and hand over to named Institution owners QUALIFICATIONS AND EXPERIENCE
• Bachelor's degree in Finance, Agricultural Economics, Banking or a related field (a Master's degree or professional banking qualification is an advantage)
• 15+ years in agricultural lending, credit risk or value-chain finance within a bank or development finance institution
• Hands-on experience with warehouse-receipt finance, off-take structures and guarantee mechanisms
• Strong credit-risk modelling and portfolio-management skills, including taking credit-policy changes through committee
• Proven ability to design, pilot and scale lending products for agricultural enterprises or small-scale producers Desirable
• Familiarity with Nigerian or other Sub-Saharan African agricultural value chains and financial institutions
• Experience with development-partner-funded programmes
• Working knowledge of Hausa, Yoruba or Igbo

📌 Senior Consultant – Agricultural Finance (Ahmedabad)
🏢 SkyQuest Technology Consulting
📍 Ahmedabad