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.

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:

Title	Business Development Manager	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-time	Closing date	November 30, 2024
Duration	Permanent	Location	Business Development and Marketing Department
Vacancy No.	FMFB-HR-0158-2024	Gender	Male / Female

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: 

This branch level position is responsible for providing assurance that the risk in his/her branch is managed following the bank’s policies and procedures, and falls within the acceptable level of risk appetite. The jobholder focuses on credit and operational risk, as well as mitigation of internal and external fraud.

Job Details:

Title	Branch Risk Officer	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-time	Closing date	November 23, 2024
Duration	Permanent	Location	Dashti Barchi Branch, Kabul
Vacancy No.	FMFB-HR-0157-2024	Gender	Female

Duties and Responsibilities:

Credit Risk Document-based Assessment of Borrowers and Guarantors:

• Evaluation of the borrower’s industry risk and macro-economic factors.
• Evaluation of individual borrowers as per the bank’s policies and procedures, including credit risk assessment of
• The purpose of credit, source of repayment, and repayment capacity of the borrower,
• The track record / repayment history of the borrower,
• The proposed terms and conditions and covenants,
• Adequacy and enforceability of collaterals, including approval from appropriate authorities (wakil guzar etc.),
• Appraisal of the real estate of borrowers,
• Evaluation of the guarantor, if applicable.

Credit Risk Monitoring of Borrowers and Guarantors in the Field:

• Independent pre-disbursement loan verification in the field following the guidelines:
• All MF loans above AFN 300,000 equivalent IN USD.
• All SME borrowers are subject to pre-disbursement control (if SME loans are offered at his/her branch).
• MF loans below AFN 300,000 or equivalent in USD – randomly. The selection of clients to be verified shall depend on the composition `of the branch portfolio. The sample should cover all segments of borrowers, all products offered by the branch and all loan officers, as well as new/returning borrowers.
• Guarantors to the above loans, if applicable.
• Independent post-disbursement periodic loan verification in the field for all Past Due Borrowers > 30 days.

Data Analysis and Reporting:

• Works closely with his superiors at the Risk Management Department on other areas of risk applicable to his/her branch and in investigating the incidents of operational risk and fraud that may arise in his/her branch.
• Documents material errors identified in the credit risk management processes, reviews critically the root causes for delinquency cases and lessons learned for enhancement of policies and processes related to risk management.

The types and frequency of reports are as following:

• Monthly reporting on the credit risk management activities to the Credit Risk Manager, including Number of credit files reviewed, rejected and PD clients monitoring.
• Monthly reporting on operational risk controls – a procedure will be introduced in 2017.
• Immediate report on fraud, misconducting and other urgent cases including credit process issues

Job Specification:

Education and Experience:

• The position requires bachelor degree of economic or business administration with two year of experience or associated degree or baccalaureates with three years of experience.

Experience:

• experience in banking shall be in MFI, lending, internal audit, finance or risk assessment; preference will be given to candidates with experience in credit risk assessment,
• Good knowledge (or willingness to learn) of the financial analysis’s principles and indexes,
• Good knowledge (or willingness to learn) of the Basle Committee and DAB rules and regulations pertaining to prudential risk management.

Skills:

• Excellent analytical thinking and attention to details.
• Can-do attitude.
• Independent mindset, able to draw conclusions and communicate his/her concerns in a clear and concise manner directly to the management.
• Quick learner who can rapidly master all aspects of the job with limited supervision and training.
• Good organizer with self-planning and problem-solving skills.
• Good communication and reporting skills. Should be able to communicate 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:

Title	Member of Audit Committee	# of Vacancies	1
Nationality	International	Grade, Salary	As per the Bank salary scale
Type	Part Time	Closing date	November 24, 2024
Duration	Long Term	Location	Hybrid Position
Vacancy ID.	FMFB-HR-0155-2024	Gender	Male / Female

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