Careers

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Background of Afghan MSME Assistance and Development (AMAD):

Afghan MSME Assistance and Development (AMAD) is implementing the MALA – MSME Access to Finance for Livelihoods in Afghanistan – project in cooperation with its Afghan PIs. The main objective of the project is to support the recovery of micro, small and medium-sized enterprises (MSMEs – including those led by vulnerable groups). Specifically, the program foresees disbursements of non-repayable Matching Grants (“MGs”) to MSMEs, thereby enhancing their access to finance and enabling businesses to overcome the current economic crisis. MGs are available for a period of almost three years and will be matched with new guaranteed loans provided by PIs to minimize market distortion and ensure an own contribution by the supported MSMEs. Grants, therefore, create additionality as they substitute borrower equity, enhance repayment capacity, and enable PIs to resume lending with conducive lending conditions, e.g. longer maturities. The Grant applications will be generated by AMAD’s PIs. The project supports PIs with financing for Capacity Building and Grant Officers at branch level to ensure adequate resources at PIs for processing of Grant applications and provision of capacity building to MSMEs. More details about the Capacity Building and Grant Officers position at PI branch level are described in this document.

Job Summary: 

The Capacity Building and Grant Officer serves as a Capacity Building and Grant focal point at regional branch level and is responsible for the appropriate implementation of Capacity Building and Grant activities at (regional) branch level. The officer ensures that loan officers appropriately assist grant applicants in designing a suitable financing project. The Capacity Building and Grant Officer makes sure that Grants criteria and process are known among all responsible financing staff. The Capacity Building and Grant Officer will ensure efficiency in the Grant process by timely submission of the Grant application documentation to PI HO and monitoring the appraisal and decision steps.

Job Details:

Duties and Responsibilities:

Grant Structures:

• Ensures that the PI’s loan officers (LOs) have a good understanding of the Grant policies and procedures by organizing and implementing trainings;
• Ensures timely communication via Grants Specialist of any challenge or process adjustment required for Grants implementation;
• Identifies capacity building measures and other related support activities;
• Ensures proper PI communication of Grant availability to potential beneficiaries as well as serving as a focal point for Grant-related matters at PI branch/ regional level.

Grant Process Implementation:

• Supports the PI’s loan officers (LOs) to develop together with the applicants consistent and complete financing applications;
• Supports the PI’s loan officers (LOs) in delivering capacity building measures to applicants to collect information and translate it into basic financial statements, as well as supporting entrepreneurs in developing meaningful investment plans;
• Serves as the Grant Focal point at branch level, including regular coordination with Grants Specialist;
• Provides hands-on coaching of PI’s Loan Officers at PI at their capacity of processing Grants and providing capacity building to MSMEs;
• Verifies the completeness of the Grant Applications Forms prior to submission to PI’s HO;
• Obtains and shares additional information from the applicant as per the request of AMAD and/or PI Head office

Qualifications:

• Academic background in business management, banking, accounting, economics or a related field (ACCA and BBA-Finance preferred);
• Credit experience of at least 2 years;
• Business mindset and good insight into issues of MSME finance;
• Excellent communication in local languages;
• Ability to act on own initiative and work confidentially;
• Ability and willingness to do field work outside of the office;
• Fluent in Dari and Pashto; good command of English is desirable;
• Acceptable level of computer skills, especially in Word and Excel;
• Must be responsive, accountable, and detail oriented with a problem-solving orientation;
• ability to work independently in a fast-paced environment is a benefit.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

Note that, only the candidates who are meeting the requirements of the position will be shortlisted.

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary: 

The incumbent of the position is responsible to mobilize deposit by selling CASA products and services. The position shall be responsible for visiting customers and introducing FMFB-A products and services to potential depositors. Relationship officer shall be responsible to identify potential depositors, plan visits after analyzing their needs, offer products and services which are required by the potential customers. The Relationship Officer shall be also involved in promotions, marketing and PR activities with focus on deposit growth. The position shall have targets for mobilizing deposits and incentives will be paid based on the deposit incentive system.

Job Details:

Duties and Responsibilities:

• Identify and analyze potential customer needs.
• Visit potential depositors both retail and corporate depositors to offer bank products and services to achieve and exceed deposit targets.
• Ensure to facilitate and follow up on customer issues internally and manage deposit attritions.
• Attend sales, marketing and promotion activities of the bank including exhibitions and marketing campaigns.
• Actively participate in bidding process for large deposits from government institutions including bulk payroll processing.
• Work with Relationship Manager to communicate customer needs and demands, share feedbacks, inform about other bank products and services to maintain awareness on deposit products, services and pricing to remain competitive in the market.
• Regularly attend sales meetings, engage with Branch Management and Relationship Manager for deposit mobilization.
• Visit high net worth customers on regular basis to ensure that relationship is maintained and conduct presentations of new deposits schemes to existing customers and to new potential customers.
• Assist the marketing team or any other independent customer satisfaction surveys and data collections.

Qualifications:

• Having bachelor degree in business administration, economics, finance, accounting, management with 1 years’ experience or Baccalaureates with 2 years working experience.
• The experiences should be in sales and marketing or relevant to the field or in similar to field.
• Having knowledge for usage and features of various card schemes, transaction-based services, ATM, POS, CASA products.
• Having knowledge of various core banking systems and AML/CFT requirements.
• High level proficiency in spoken and written English, good command of the predominant local languages – Dari and Pashto.
• Good command on MS Excel and PowerPoint presentation.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

Note that, only the candidates who are meeting the requirements of the position will be shortlisted.

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary: 

The Business Development Manager is an integral part of the Business Development and Marketing (BDM). The Business Development Manager will oversee all aspects of the business development process and ensure close coordination and collaboration with the Practice Head of Business Development and key stakeholders. The incumbent will be primarily responsible for overseeing of all grant-based stuff from the inception to the closure of the project. The incumbent will be responsible to write concept paper, proposal for acquiring on-lending funds and grants aiming to fill possible funding gaps.

Job Details:

Duties and Responsibilities:

• Identify new business opportunities to achieve target for business under FMFB-A business divisions namely DFS and FinTech.
• Provides management and support for new business pipeline development, in consultation with head of Business Development and other key stakeholders.
• Support the retention of existing business and pursue leads to expand the current client portfolio.
• Support the bank in implementation of DFS strategies and Roadmap by actively engaging in developing of proposals, business cases and Product Approval Documents.
• Establish effective working relationships with business and agency leadership to ensure that our products and services are implemented through marketing demand generation programs.
• Develop, establish and maintain marketing strategies to meet organizational objectives.
• Drive campaign management for client acquisition programs across multiple channels.
• Support senior management to deliver a high-quality business development culture within the FMFB-A team in an aim to deliver superior client solutions.
• Direct the bank sales activities in a relatively autonomous manner, keeping senior management informed of matters of significance and making strategic/tactical recommendations.
• Showcasing the bank in any business conferences, expos and donor forums.
• Writing proposals and concept note for acquiring on-lending funds and grants aiming to fill possible funding gaps.
• Develop the TOR for the consultancy or consultant in line with FMFB-A grant management policy.
• Regularly track the progress and performance of grant-based projects and prepare required progress and completion report.
• Prepare grants agreement, contract amendment, and modifications whenever required and secure required approval from the stakeholders.
• Prepare meeting minutes of the technical evaluation committee and other relevant meetings and circulate in timely manner to members for their review and inputs.
• Maintain a proper filing system that keep the records all relevant documents, reports, invoice for future reference audit reference.
• Conduct various interviews, including win/loss and post-engagement client interviews/surveys to identify trends and make necessary recommendations.
• Carrying out research and analysis and surveys. This includes experience of conducting qualitative and quantitative, analysis, namely retention surveys and Focus Groups Discussion (FGD) and interviews.

Job Specifications:

• Strong commitment for business growth with strong influencing, persuading and project management skill.
• Excellent analytical and presentation skill with sufficient business acumen & marketing sense.
• Exceptional verbal and writing skills in English.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line.

Note that, only the candidates who are meeting the requirements of the position will be shortlisted.

About FMFB-A:

As a background, FMFB-A started its operation in 2004 and is part of the Aga Khan Agency for Microfinance (AKAM), which has financial institutions operating in different countries throughout the world. It is affiliated with the Aga Khan Development Network (AKDN), a group of development agencies working in health, education, culture and rural economic development.

Job Summary:

We are seeking motivated and experienced professionals to join our Audit Committee, an independent body reporting directly to the Board of Supervisors. This key committee oversees the audit and examination functions conducted by the bank’s Internal Auditors and regulators, ensuring adherence to the highest standards of accountability and financial integrity.

Job Details:

Duties:

• Participate in quarterly meetings to review and evaluate comprehensive Internal Audit Reports submitted by the Chief Internal Auditor, review and approve the bank financial statements presented by the Chief Finance Officer and External Auditor.
• Participate any other ad-hoc meetings that is called by the Chairman of BoS or Chairman of AC.
• Ensure the audit and examination functions are aligned with the bank’s operational goals and regulatory requirements.
• Provide objective assessments of the bank’s risks, control environment, and compliance framework.
• Recommend improvements to enhance operational efficiency, risk management, and internal controls.
• Collaborate with other committee members and act cohesively to provide sound advice and actionable insights to the Board of Supervisors.
• Assist in overseeing the selection, performance, and effectiveness of the Chief Internal Auditor and the internal audit team.
• Ensure that corrective actions are implemented promptly, following recommendations from audit reviews and regulatory findings.
• Perform other tasks related to the above as determined by the Audit Committee of the Board of Supervisors.

Job Specification:

Education:

• At least bachelor’s degree in one of the following fields: Economics, Finance, Accounting, Business Administration, Law or membership of ACCA.

Certifications:

• Possession of CIA or any other certified internal auditor is mandatory.
• CSAA certification from the AAOIFI is an added plus.  

Professional Experience:

• A minimum of five years of managerial experience in the audit sector of banking or seven years of managerial experience in the audit field of any financial institution.

Submission Guideline:

If you meet the above requirements, we are encouraging you to apply for this position. Please send us your CV along with a cover letter via email at executive.vacancy@fmfb.com.af  and cc info.bsd@dab.gov.af

Please make sure that your email includes the vacancy ID as the subject line