The study investigated the relationship between credit risk management and the level of non-performing loans in Kenya Commercial Bank in Thika.The study adopted a descriptive research design. Through use of descriptive and inferential statistics, this design was deemed the best design to fulfill the objective of the study. The target population of the study was 43 credit officials in kenya commercial bank in Thika. The census method was used for this study since the population was small and variable and the institutions are easily accessible. In order to achieve the set objectives of the study, both primary and secondary data was used. The primary data was collected using a questionnaire. The questionnaire had both closed and open-ended questions. The closed ended questions enabled the researcher to collect quantitative data while open-ended questions enabled the researcher to collect qualitative data. The secondary data was obtained from the annual reports of the bank. Data collected covered a period of 5 years, from 2017-2022. The study concluded that most bank have a sound credit risk management system and the senior management bank develop policies and procedures for identifying, measuring, monitoring and controlling credit risk. The study further concludes that kenya commercial bank operate under a sound credit risk management process that reduces loan default which leads to low non-performing loans. The study also concluded that the bank take into consideration potential future changes in economic conditions when assessing individual credits and their credit portfolios. For proper credit management process, the bank should have management information systems that provide adequate information on the composition of the credit portfolio. The study recommended that the bank must respond to this by combining this information with different credit risk management techniques used to evaluate the clients by reviewing the lending terms and conditions of the clients. The overall responsibility of risk management vests in bank’s board. The board should outline risk management strategy and formulate well-defined policies and procedures. Risk management department be made on portfolio or business line basis, to adopt a holistic approach judging the overall risk exposure in assessing and managing risk profile of the bank.