Credit risk management strategies play a crucial role in ensuring the financial stability of commercial banks in Kilifi County. The study used questionnaires and statistical tests to analyze the effectiveness of these strategies. The Central Bank plays a key role in guiding banks to manage risks effectively. Land is the most common asset used as collateral for loans, and interest rates between 16% and 19% are preferred by many banks. Collaterals and credit protection are important tools for controlling credit losses. Most borrowers do not repay their debts on time. Credit protection is seen as a superior strategy compared to agreements, credit rationing, and contract evaluation. Commercial banks should develop risk management strategies that align with their risk tolerance and business goals.