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. For more information, please visit our website: www.fmfb.com.af.

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 financing client acquisition for the branch and to originate quality financing of up to $250,000 (AFN 15 MN) 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 financing 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:

Title	SME & Corporate Islamic Financing Officer	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank Salary Scale
Type	Full-Time	Closing date	July 7, 2026
Duration	Regular (Permanent)	Gender	Male
Vacancy. #	FMFB-SA-0059-2026	Location	Pul-e-Khumri Branch

Position Duties and Responsibilities:

• 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 Associate (College Degree) 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.

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: 

Responsible for management and arrangement of all SME & corporate credit files at head office level and review of the financing file documentation. Does detailed check of financing appraisals making sure all credit components, rules and procedures are followed accurately. Helps SME & Corporate Manager in arrangement of Credit Committee agenda, approval of files and any other tasks related or assigned to him by his direct manager.

Job Details:

Title	SME & Corporate Credit Analyst	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-Time	Closing date	July 7, 2026
Duration	Permanent	Location	Business Department, Head Office
Vacancy No.	FMFB-SA-0058-2026	Gender	Male

Position’s Duties and Responsibilities:

• Makes sure the hard loan files/required documents are complete for CC.
• Conducts review of documents making sure the documents are accurate.
• Manages/arranges the loan files “copies” at head office level.
• Makes verification visits to the field to verify the data collected by loan officers.
• Make surprise visits to the field to verify the inconsistencies in file and clarify the issues.
• Make visits to the field along with loan officers to supervise them in doing monitoring.
• Helps the SME & Corporate Manager in ensuring that the credit components of the financing product programs are properly followed.
• Helps the SME & Corporate Manager in ensuring proper, prudent and conservative credit analysis is done and independently verified on each proposal and that all Policy requirements have been met.
• Enforce strict credit discipline on client loan applications completed by the Financing Officer; and ensure that proper field credit operations are followed.
• Reviews the monitoring forms to identify the risks along with SME & Corporate Manager and suggests steps for mitigation.
• Helping Financing Officers resolve any financing application problems with customers as they are encountered.
• Helps the Credit Risk Manager to manage the Credit Committee Agenda for credit submissions, ensure all proposals are complete, accurate, and meet Policy standards.
• Helps the Credit Risk Manager in strengthening Financing Officers capacity by highlighting SME finance best practices.
• Maintains close working relationship with ACSP.
• Conducts any other tasks assigned by the SME & Corporate Manager.
• Manages all the responsibilities of the SME & Corporate Manager in his absence.

Job Specification:

• Bachelor degree in Business Adminstration, Economic or related to the filed, with three years of experince or Associate Degree (College Degree) with four years of experience.
• The experience should be related to the field and similar to the position or experience in any areas of MFI and banking, marketing, product management, credit or risk assessment.
• Analytical and negotiation skills.
• Have good communication skill and presentation skill. 
• Have computer office package skill, calculation skill and analysis skill.
• Good command of local languages and English.
• Good computing and accounting skill.
• Proven in depth knowledge of local markets, economy and business cycles.
• Specific knowledge of self-employment challenges or hurdles, or previous self-employment in any industry is considered a “plus”.

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.

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 for extending the timely and quality administrative support to the Branch Management, sorting, organizing and management of branch documents including customer files and title deeds. Branch Assistant has back office role and works very closely with branch clerks to ensure that branch documentations and filing is well organized. Branch Assistant is also responsible for scanning hard copy documents in the branch and make sure proper arrangement of the documents after scanning.

Branch Assistant will also work very closely with Archive Unit in Head Office to ensure old documents are archived on timely basis so that enough space is available in the branch. Branch Assistants also identifying the branch stationary needs and collaborating with Branch Clerk for addressing the logistics issues in a timely manner, collaboration with logistics for timely procurement and logistics services, etc.

Job Details:

Title	Branch Assistant	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-Time	Closing date	July 7, 2026
Duration	Permanent	Location	Pul-e-Khumri Branch
Vacancy No.	FMFB-SA-0063-2026	Gender	Male

Position Duties and Responsibilities:

• Sort, organize, management and archive all branch hard copy documents including but not limited to customer files and title deeds.
• Scan all the documents like account opening forms, loan application forms, Online Banking forms, remittances and other documents for sending to centralized account opening Unit, Centralized Credit Admin Unit, Alternative Delivery channel Unit and Payment Unit in Head Office.
• Creating KYC number and CIF in Flexcube after receiving complete documents from CRO/Saving Officer/Account Officer.
• Organize title deeds in the branch and make sure no one else should have access to sensitive documents without written approval of Branch Manager or his designate as per archive policy and procedures.
• Keep and maintain branch archive keys to protect documents.
• Fill handover forms and making sure written approval is there for any handover of title deed to any staff.
• Fill the forms for the physical movement of the documents and make sure authorized signature is completed for physical movement and handover of documents.
• Manage Branch admin and logistical needs in coordination with Operation and Professional Services Department.
• Assist the DBM for Credit Committee Meeting documentations and help with printing client loan contracts.
• Assist the CRO, Relationship Officer, Account Officer and other front-line staff in updating KYC process of customers by scanning the documents and sending to relevant Head Office Unit.
• Making sure that branch archive and records are kept clean.
• Any other task assigned by the respective supervisor/s.

Job Specification:

• Bachelor Degree in Business Administration or related to the field, with one years of experience or Associate (College Degree) in Business Administration or related to the field with two years of experience.
• The experience should be related to the field or administrative field.
• Good understanding and knowledge of financing documentations, account opening, KYC related documents and collateral maintaining.
• Good command of written and spoken English, reasonably computer literate, good interpersonal and communication skills.

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 extend required support to Head Teller/ for the execution of cash transactions with Clients in terms of cash withdrawal and cash deposits, handling Customers cash related issues, or any other Cash related matter in mentioned section.  

Job Details:

Title	Teller	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-Time	Closing date	June 26, 2026
Duration	Permanent	Location	Takhar Branch
Vacancy No.	FMFB-SA-0057-2026	Gender	Female

Position Duties and Responsibilities:

• Handling large cash withdrawal and deposits concerning the full compliance policy in line of the regulatory regulations.
• Checking and verifying customer signature in MIS system while withdrawing.
• Customer cash withdrawals and checking notes asper DAB current circulation of note distribution.
• Receiving cash deposits and checking the supporting documents asper compliance policy.
• Checking and filing daily cash withdrawal/ deposit vouchers.
• Preparing voucher and in putting in the system.
• Currency exchange and preparing exchange slips.
• Maintaining cash in and cash out report.
• checking and ensuring validity of currency cash on the counter.
• balancing the tills at end of the day.
• Recording all the denomination of the notes at back of the all cash vouchers while making payments.
• Replacing head teller in case of his absence.
• any other tasks assigned by the respective line manager.

Job Specifications:

• Bachelor degree in Business Administration, Economics or related to the field, with one years of experiences or Associate (Colleage Degree) in above mentioned field with tow years of experiences.
• The experience should be related to the field or similar to the position or be in banking and MFI.
• Have good communication skill and presentation skill. 
• Have computer office package skill, calculation skill and analysis skill.
• Good command of local languages and English.

Equal Opportunity Statement:

• FMFB-A is an equal opportunity employer committed to diversity and inclusion. Qualified female applicants are strongly encouraged to apply.

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.

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: 

To manage daily operation of trade finance products such as bank Guarantee and letter of credit based on Non-Funded facility approved policy and procedure and other related international trade finance banking standards.

Job Details:

Title	Trade Finance Manager	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-Time	Closing date	July 1, 2026
Duration	Permanent	Location	Business Department, Head Office
Vacancy No.	FMFB-SA-0056-2026	Gender	Male

Position Duties and Responsibilities:

• Manage the centralized trade finance activities such as Bank Guarantee and letter of credit, support and coordinate the branch staffs in related Non-funded facility products.
• Control and manage the overall affairs of trade finance section of credit department and assist with CCO/Deputy CCO.
• To assist CCO / DY CCO to achieve Business Targets of the Bank as per Business Goals and Business Plans of the bank.
• Implement objectives, policies and procedures manual and user manuals for trade finance operation and Review requirements of branches in terms of operational support and discuss in detail with concerned departments.
• Review department delivery processes with a view to ensure smooth workflow within the department, reduce turnaround times and achieve efficiency and cost benefits.
• To constantly monitor, guide and plan the activities of his/her key subordinates and take corrective actions where necessary in an efficient and timely manner.
• To ensure that the Bank remains always compliant with the regulations already issued or being issued from time to time by the Country’s regulators that includes the Central Bank (DAB) or any other Institution entrusted with such responsibilities by the Government of Afghanistan.
• Margin money reconciliation should be in monthly basis, follow the Bank guarantee with beneficiary party in case the applicant not submit the original BG with or LC to the bank.
• To ensure that Core Banking System (CBS) and other IT systems are in place for trade finance section to smoothly operate the system and generate the required report on time.
• To ensure that all the mandatory reporting is done efficiently, accurately and timely by the Bank to DAB where required.
• To ensure that the Bank remains always compliant with the Regulations related to AML and KYC, all client should be check as per compliance department policy in OFAC or UN lists.
• To ensure that appropriate multi- level Training is imparted to all the Staff of the trade finance section of credit department of the bank in accordance with their experience and seniority.
• Issuance/ cancellation and Process of / BG/LC and update their records and Disbursement, Reimbursement and administration of All non-funded facilities.
• Monitor customer trade finance transactions, settlements and report any exceptions to concerned units.
• To ensure that guidance or approval has been obtained from Board of Management and Board of supervisor where necessary while managing day to day Trade Finance section affairs of the bank.
• Shall be responsible for making necessary correspondence for respective E-mails and taking actions accordingly and Review of Nostro A/c Reconciliation Statement in respect to LCs /BG and Bills on daily basis.
• Preparing the Daily, Monthly Outstanding Reports and Quarterly Provisioning Reports
• Of the trade finance section to head of credit department.
• Reply to governmental/ private banks enquiry letters regarding Non-Funded facility.
• This role model expected to occasionally perform other duties as assigned by Management.

Job Specification:

• Bachelor of Business, Management, Commerce, Finance, Accounting, Economics.
• Master Business Administration, or Master of Banking and Finance will be preferable.
• At least 3-5 years of related trade management experience within a retail bank with progressive management experience.
• Possess good interpersonal, communication and operational and financial skills.
• Able to work under pressure and capable to solve problems.
• Maintain high level of professionalism.
• Sound and effective interpersonal & communication skills in both National languages (Pashto and Dari) and English languages.

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:

As a background, FMFB 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: 

Ensuring comprehensive analysis of risk-related data from across all bank’s operation recommendations with regard to risk mitigation and/or transfer. Ensure good governance and ongoing management of risk, and proactive development to tools in support of risk management.

Job Details:

Title	Financial Risk Analyst	# of Vacancies	1
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-Time	Closing date	June 2, 2026
Duration	Permanent	Location	Risk Management Department
Vacancy No.	FMFB-SA-0048-2026	Gender	Male / Female

Position Duties and Responsibilities:

Liquidity Risk Management:

• Perform monthly liquidity maturity gap analyses to evaluate funding structures and submit comprehensive findings.
• Identify, document, and immediately escalate any regulatory or internal policy violations regarding liquidity thresholds and capital adequacy ratios.

Foreign Exchange (FX) Risk Assessment

• Conduct daily monitoring of the bank’s Foreign Exchange (FX) positions, net open positions (NOP), and currency exposure limits against approved regulatory and internal thresholds.
• Perform quantitative analysis on currency fluctuations, market trends, and macroeconomic indicators to evaluate the impact of FX volatility on the bank's balance sheet and profitability.
• Identify, document, and immediately escalate any breaches of internal or Da Afghanistan Bank (DAB) prescribed FX risk limits.
• Prepare comprehensive monthly and quarterly FX risk dashboards, highlighting trends, concentrations, and risk mitigation strategies.

Counterparties and Correspondent bank Risk Assessment:

• Conduct comprehensive risk assessments of counterparties and correspondent banks, focusing on financial, operational, regulatory, and financial crime risks associated with partner institutions and cross-border correspondent banks.
• Analyze financial statements, credit ratings, and capital adequacy metrics to establish safe transactional and settlement exposure limits.
• Continuously monitor counterparts against international sanction lists (OFAC, EU, UN) and negative news tracking tools in coordination with the Compliance Department.
• Create comprehensive summaries and risk profiles for counterparties/Correspondents’ banks.

Market Risk Assessment:

• Independently identify, quantify, and assess all relevant market risk factors.
• Compute and analyze standard financial indexes and prudential ratios prescribed by DAB regulations, covering asset classification, capital adequacy, liquidity, and market risk.
• Independently monitor daily and weekly compliance across all business lines against documented market risk limits and triggers.
• Evaluate the ongoing applicability and relevance of existing market risk limits
• Maintain a meticulous corporate repository of all limit breaches, tracking the exact corrective actions taken and documenting final resolution dates.
• Provide rigorous independent oversight of all significant market risks across the bank, actively supporting the ALCO and Treasury Department with technical risk measurement, predictive analysis, and routine performance reporting.

Stress Testing:

• Conduct regular stress testing exercises in close coordination with the Department Heads and Financial Control.
• Escalate any regulatory violations concerning liquidity thresholds and capital adequacy ratios to his/her line manager.
• Perform monthly liquidity maturity gap analyses to evaluate the bank's short- and long-term funding structures.
• Execute defined stress testing scenarios at agreed frequencies, analyzing results to measure portfolio vulnerability.
• Drive the development and optimization of credit rating mechanisms to enhance asset quality across all bank products and client segments.
• Ensure maintenance of high departmental standards and providing support, education and training to staff.

Planning and Organizing:

• Compile and prepare monthly and quarterly risk dashboard reports on regular basis.
• Proactively communicate critical risk insights and operational concerns emerging from data analysis.
• Independently identify and assess all relevant market risk factors across individual risk-taking business units.
• Ensure all market risk limits and triggers are continuously monitored and tracked against established risk appetites.

Data Gathering:

• Ensure comprehensive, accurate, and timely data collection across all bank units, including Head Office departments and branches, within assigned risk domains.
• Design, test, and sign off on informative risk reports generated from the FlexCube core banking system at predefined frequencies.
• Develop and implement ad-hoc or scheduled reporting templates extracting data from other supplementary IT applications and banking databases.
• Facilitate robust corporate governance by monitoring the bank's total risk exposure and managing risk mitigation strategies across operations.

Data Analysis and Reporting:

• Perform qualitative and quantitative portfolio-level data analysis (segmented by branch, region, product, and borrower socio-demographic profile) to generate actionable recommendations.
• Provide analytical inputs to determine the root causes of PAR across branches, regions, products, and borrower classes.
• Collect, track, and maintain the internal database regarding operational risk incidents and associated financial losses.
• Maintain and refine the risk reporting framework to ensure presentations are tailored appropriately for diverse stakeholders and audiences.
• Expand the risk reporting framework dynamically to incorporate risk assessments for any new banking products, channels, or activities.

Job Specifications:

• Having a bachelor degree in Business Administration or Economic or related to the field, with five years of experience or a Master Degree with three years of relevant experience in the same position.

• Independent mindset, able to draw conclusions and communicate his/her concerns in a clear and concise manner.
• Quick learner who can rapidly master all aspects of the job with limited supervision and training.

Equal Opportunity Statement:

• FMFB is an equal opportunity employer committed to diversity and inclusion. Qualified female applicants are strongly encouraged to apply.

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. For more information, please visit our website: www.fmfb.com.af.

Job Summary: 

Protect the Bank premises, assets and personnel, and maintain a high visibility presence and prevent all illegal or inappropriate actions.

محافظت از محوطه، دارایی ها و پرسونل بانک. حفظ حضور دید بالا، و جلوگیری از اقدامات غیرقانونی یا نامناسب.

Job Details:

Title	Lady Guard	# of Vacancies	2
Nationality	Afghan	Grade, Salary	As per the Bank salary scale
Type	Full-Time	Closing date	27 May 2026
Duration	Permanent	Location	Jalalabad and Takhar Branch
Vacancy No.	FMFB-SA-0044-2026	Gender	Female

Position Duties and Responsibilities:

• Scanning the female employees and customers/visitors at the entrance.
• Report in detail any suspicious incidents to the supervisor.
• Any other tasks as assigned by the supervisor

وظایف و مسئولیت ها:

• تلاشی کارمندان، مشتریان و بازدید کنندگان اناث در دروازه ورودی.
• گزارش دهی با جزئیات از واقعات مشکوک.
• هر وظیفه دیگر که توسط مافوق سپرده شود.

Job Specification:

• Priority given to those who be literate (be able to write and read the local language’s words)
• Has work experience as a security guard or relevant position.
• Excellent knowledge of public safety and security procedures/protocols.
• Surveillance skills and detail orientation.
• Integrity and professionalism.

مهارت های لازم:

• اولیت به کسانی داده میشود که با سواد باشد یعنی توان نوشتن و خواندن را داشته باشد.
• تجربه کاری به عنوان محافظ امنیتی یا بست های مربوطه.
• محافظ امنیتی آموزش دیده.
• دانش خوب از مصئونیت عامه و روش ها/پروتوکول های امنیتی.
• مهارت های نظارت و جهت یابی با جزئیات.
• امانتداری و مسلکی بودن.

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.