Careers

Full Time
Darwaz, Jamarch Bala Sub Branch
Posted 1 week ago

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 purpose:

The incumbent of the position is responsible for processing the Islamic Financings Applications; monitoring the Financings Portfolio; follow-up and ensuring the timely repayment of the disbursed Islamic Financings and developing the FMFB-A MF Financings Clientele.

Job Details:

TitleIslamic Financing Officer # of Vacancies1
NationalityAfghanGrade, SalaryBank Salary Scale
TypeFull timeClosing dateMay 30, 2025
DurationRegular (Permanent)GenderMale
Vacancy. #FMFB-HR-0041-2025LocationDarwaz, Jamarch Bala Sub Branch

Position Duties and Responsibilities:

  • Prospects new clients and assists them for Islamic Financing application such as reviewing financing requests applications, evaluating creditworthiness, credit risks, financial status.
  • Conducts Financing appraisal, collects detailed information (personal, business, and guaranties).
  • Presents the financing applications at the Branch Credit Committee.
  • Collaborates with the respective Branch Assistants/Manager for preparing the Financing contracts and ensures timely disbursement of financings.
  • He is responsible for 100% sharia compliant processing of all Islamic financing’s applications and transactions/payments.
  • Monitors the financing customers and follows it up of ensuring its timely repayment.
  • Maintains contact with clientele and Participates in the Branch Credit Committee Meetings.
  • On any walk of the Bank’s financings business such is Islamic financings process, payment to the supplier, monitoring / follow up and repayment, ensure full compliance with the relevant/prevailing FMFB Credit Policy, Procedures, sharia compliant; and full alignment with the audit recommendations.
  • Any other identical task as assigned by the respective supervisor/s.

Job Specification:

Having bachelor degree in business administration or economic or finance and accounting, or any other qualification related to banking with 1 years’ experience or Baccalaureates with 2 years working experience.
Prior experience in the trade, legal, Microfinance, Financing are preferred.
Skills: Well articulate in the predominant local language of the area in which she/he works; good communication, negotiation and presentation skills; good understanding of business process; good understanding of the business-related laws / regulations of the government; good understanding of the business potential in the area in which s/he works; and good level of familiarity with the population of the area in which s/he works.   
Personal Traits: Belief in, and commitment to establishing and maintaining good relation with the clientele; being tactful and courteous; social concern and sensitive to the culture / traditions of the area of his / her engagement; belief in, and in practice promoting professional confidentiality; enthusiasm in job, specifically in working in field with clients; being mature and self-disciplined.  

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 throu…View more

Full Time
Dashti Barchi Branch, Kabul
Posted 1 week ago

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 Purpose:

We are seeking to recruit a highly motivated ‘SME & Corporate Islamic Financing Officer to join us who possesses excellent business development skills with a hunger to succeed. Reporting to the SME Sales Manager, the aim of this role will be to spearhead loan client acquisition for the branch and to originate quality loans of up to $250,000 for medium and high-income borrowers, attract commercial customer and able to cross-sell FX, Deposits, BGs, Payrolls and LCs. With a positive attitude in everything, you do and every relationship you build, you will be passionate about assisting clients with their financial needs through appropriate loan products. More importantly, you will ensure that the customer gets the right loan / banking needs, at the right price, for the right purpose. Obviously, cash flow analysis, repayment capacity assessment, and collateral management is all part of the job. Do not worry, we provide extensive and excellent training programs to ensure that you are able to fulfil your job requirements.

Job Details:

TitleSME & Corporate Islamic Financing Officer # of Vacancies1
NationalityAfghanGrade, SalaryBank Salary Scale
TypeFull timeClosing dateJune 04, 2025
DurationRegular (Permanent)GenderMale
Vacancy. #FMFB-HR-0044-2025LocationDashti Barchi Branch, Kabul

Position Duty and Responsibility:

  • The Financing Officer role is multi-faceted.
  • Recruiting new clients; assessing customer needs, introducing different types of Islamic financing and banking product.
  • Explaining the Islamic financing process to potential clients and verifying clients’ eligibility for a financing.
  • Going and satisfaction throughout the underwriting process.
  • Interviewing applicants to determine financial eligibility and feasibility of granting financing and finding applicants’ banking needs.
  • Carrying out risk assessment by collecting detailed information on each client through meetings and field visits (home, business, suppliers, customers, guarantors, community) and financing appraisal (financial analysis, repayment capacity, tenure, collateral, etc.).
  • Updating the required data in the Bank’s Financing Management System.
  • Preparing Financing Appraisal Report for Credit Committee meeting; collecting and/or filling documents for guarantees.
  • Checking the proper use of the funds disbursed.
  • Financing monitoring including periodic site visits and ensuring timely repayments.
  • Going the “extra mile” to build relationships, and customer loyalty.
  • Operating in compliance with relevant/prevailing FMFB policies/procedures; and full alignment with the audit recommendations.

Job Specification:

  • Having bachelor degree in business administration or economic or finance and accounting, or any other qualification related to banking with 2 years’ experience or Baccalaureates with 3 years working experience.
  • The years of experience should be in of SME, MFI and Banking.

Skills:

  • Well articulate in the predominant local language of the area in which she/he works; good communication, negotiation and presentation skills; good understanding of business process; good understanding of the business-related laws / regulations of the government; good understanding of the business potential in the area in which s/he works; and good level of familiarity with the population of the area in which s/he works. 

Personal Traits:         

  • Belief in, and commitment to establishing and maintaining good relation with the clientele; being tactful and courteous; social concern and sensitive to the culture / traditions of the area of his / her engagement; belief in, and in practice promoting professional confidentiality; enthusiasm in job, specifically in working in field with clients; being mature and self-disciplined.

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 (vacancies@fmfb.com.af).

Please make sure that your email includes the vacancy ID as the subject line and the name of the position with the branch name.

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 throu…View more

Full Time
Head Office, Kabul
Posted 3 weeks ago

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 Details:

TitleShariah Board Member# of Vacancies1
NationalityAfghanGrade, SalaryBank Salary Scale
TypePart TimeClosing dateMay 30, 2025
DurationLong TermLocationHead Office, Kabul
Vacancy NumberFMFB-HR-0040-2025GenderMale

Position Duties and Responsibilities:

  • Performing an oversight role on Shariah matters related to the Bank’s Islamic operations and activities through the observations and reports from the Shariah Department by identifying possible Shariah issues, if any, and proposing the necessary corrective measures.
  • Providing Shariah compliance across all products, services, and operations of the institution.
  • Assisting the Management or any related party thereof in overseeing the enforcement and implementation of the Shariah Board resolutions.
  • As the Shariah Board member has the responsibility to disclose sufficient information on the Bank’s state of compliance in its annual financial report as per the requirements under applicable laws during the tenure of the Shariah Board’s appointment.
  • Providing clarifications and opinions and where relevant, issue resolutions on matters pertaining to both generic and specific issues associated with Shariah principles that require a Shariah opinion.
  • Approving all products, manuals, policies and procedures submitted by Shariah Department.
  • Performing an oversight role on any Shariah matters post-approval to ensure that all of the Shariah requirements as set out in its guidelines and resolutions are followed by the Bank.
  • To be the sole point of reference and highest authority in all Shariah matters relating to banking and finance.
  • To advise on such other functions as may be prescribed by DAB from time to time only about Shariah matters.
  • Issuing opinions on how the Banks should address and rectify any Shariah non-compliant practices.
  • In addition to the abovementioned duties and accountabilities, the members of the Shariah Board are expected to observe other relevant provisions herein contained.
  • Other duties and accountabilities of the Shariah Board and the governing operation procedures for the Shariah Board shall further be spelt out in the terms of reference (hereinafter referred to as “TOR”) of the Shariah Board and the Bank..

Job Specification:

Education and Certifications:

  • Candidates must possess at least a bachelor degree in Shariah from a recognized university.
  • Certification: CSAA of AAOIFI will be an added plus.

Experience:

  • At least three years of experience in senior roles in bank operations or business, or a minimum of five years of full-time teaching experience in “Fiqh al-Muamalat” (Islamic commercial jurisprudence) or “Usul al-Fiqh” (the principles of Islamic jurisprudence).

Skills & Competencies:

  • Excellent written and verbal communication Skills.
  • Proficiency in national language/s and 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 executive.vacancy@fmfb.com.af  and cc info.ibfd@dab.gov.af

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

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 throu…View more