Financing Officer

Job Summary

Financing Officer is responsible for identifying and supporting clients, promoting Islamic microfinance products, and managing financing operations in line with Sharia principles and institutional policies. The role includes reviewing financing applications, conducting client assessments and field visits, facilitating financing disbursement, monitoring client businesses, and ensuring timely repayment. The Financing Officer also maintains accurate records, prepares operational reports, manages portfolio quality, and ensures compliance with institutional policies and ethical standards. Additionally, the position requires active coordination with branch staff and participation in trainings to strengthen knowledge of Islamic microfinance practices

Skills / Requirements:Required Qualifications• Bachelor’s degree in Business Administration, Finance, Economics, or related field.• Minimum 3 -5 years of experience in microfinance or financial services operations.• Experience in Client Management and Field Marketing

Required Skills

• Ability to work independently and under pressure• Knowledge of Islamic finance principles• Strong communication and interpersonal skills• Fieldwork and client management skills• Basic financial analysis and reporting ability• High ethical standards and accountability

Key Duties and Responsibilities1. Client Identification, Outreach & Marketing• Conduct marketing and promotional activities to introduce Islamic microfinance products to potential clients.• Identify new markets, business clusters, and target groups for financing.• Organize and participate in community meetings, awareness sessions, and field campaigns.• Promote Islamic financing products in line with Sharia principles and institutional policies.• Build strong relationships with community leaders, traders, and local influencers to support client acquisition.

• Application & Documentation
• Receive and review financing applications from clients.• Ensure completion and accuracy of all required documents (KYC, client profile, guarantor/Collateral details).• Maintain proper and secure client files in line with LMI policies.
• Client Assessment & Risk Analysis
• Conduct field visits to verify client identity, residence, and business activities.• Conduct Pre-assessment of clients’ financial capacity, cash flow, and repayment ability.• Evaluate guarantors and collateral to mitigate financing risks.4. Sharia-Compliant Financing Operations• Implement Islamic financing contracts such as Murabaha, Musharakah, Mudarabah Salam and Ijarah.• Ensure all transactions comply with Sharia principles and institutional guidelines.• Clearly explain contract terms and repayment schedules to clients.5. Financing Disbursement• Facilitate financing disbursement as per approved cases and procedures.• Ensure proper documentation and authorization before disbursement.• Monitor the proper use of financed assets or funds.6. Monitoring & Follow-Up• Conduct regular follow-ups and field monitoring of financed clients.• Ensure timely collection of installments in a respectful and ethical manner.• Identify early warning signs of potential default and report them promptly.7. Recovery & Portfolio Management• Manage portfolio quality and maintain acceptable PAR (Portfolio at Risk) levels.
• Handle late payments and recovery cases in coordination with management.
• Propose rescheduling or corrective actions for genuine client difficulties, subject to approval.8. Reporting & Record Keeping• Prepare and submit daily, weekly, and monthly operational reports.• Maintain accurate records of financing, repayments, and client status.• Report irregularities, fraud risks, or operational issues immediately9. Compliance & Ethics• Adhere strictly to institutional policies, AML/CFT regulations, and internal controls.• Maintain client confidentiality and professional integrity at all times.• Avoid conflicts of interest and ensure transparency in all dealings.10. Teamwork & Capacity Building• Coordinate with branch staff, Sharia advisors, and management.• Participate in trainings, meetings, and performance reviews.• Continuously enhance knowledge of Islamic finance and microfinance best practices.Reporting & Institutional Development• Ensure timely submission of required reports to management and stakeholders.• Support staff capacity building and operational strengthening initiatives.Perform any other duties assigned by COO.

How to apply

Email your application directly to:[email protected] email subject must be:Financing Officer - [Province] Replace [Province] with the duty station you are applying for. For several provinces, separate their names with commas.EX: Financing Officer - Kabul

Available duty stations: Kabul, Kunar, Nangarhar

Recommended email body

First Name:Last Name:Phone:Current Location:Education:Experience

Attach your CV as PDF, JPG, JPEG or PNG. A CV is required.