The study looked at how credit risk management strategies affect the financial stability of commercial banks in Kilifi County, Kenya. They used questionnaires to gather data and analyzed it using different statistical tests. The findings show that banks use tools like collaterals and credit protection to control credit losses. Collaterals and credit protection were found to be more effective than agreements, credit rationing, and contract evaluation in managing credit risks. The study suggests that banks should develop risk management strategies that match their tolerance for credit risk and business goals.