Head of Commercial

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 Head of Commercial is responsible for implementing and managing initiatives that drive non-funded income and overall revenue growth and expanding the bank’s commercial product offerings across the branch network. The role focuses on mobilizing deposits from both retail and corporate customers, increasing usage of banking products such as MasterCard, AFPAY Cards, Western Union, and TTs, and expanding the uptake of other commercial services across the bank’s network. This position works closely with branches, business teams, and operations to meet assigned targets and continuously improve commercial performance.

Job Detail:

Position’s Duties and Responsibilities:

• Plan and execute all initiatives to increase non-funded income through commercial services such as cards, remittances, and value-added banking products.
• Support the growth of both retail and corporate deposit bases through direct engagement, campaigns, and strategic coordination with branch teams and relationship managers.
• Drive usage and sales growth of commercial banking products. Manage and expand money transfer services such as Western Union, MoneyGram and Telegraphic Transfers, Cards and increasing volume and customer reach.
• Ensure commercial performance and sales targets are consistently met across the bank’s network.
• Collaborate with branch teams to ensure effective delivery and promotion of commercial products and services.
• Continuously monitor financial market developments and provide insights that inform pricing, sales strategies, and product positioning.
• Assist in raising awareness and boosting usage of commercial services among new and existing customers.
• Track KPIs, prepare regular reports, and present actionable insights to the Chief Business Officer of the Bank.
• Ensure all activities comply with regulatory and internal policies, especially those related to commercial and retail banking operations.
• Work closely with branch teams to implement commercial campaigns, resolve issues, and support daily operations related to product delivery.
• Collaborate with branches and digital banking teams to ensure seamless delivery of commercial services through all touchpoints.
• Close coordination with Treasury Team, proactively identify FX deals from the market. Maintain up to date knowledge of local and international currency trends, pricing, and competitive dynamics
• Lead, coach, and develop high performing relationship managers. Foster a culture of accountability and excellence.
• Work closely with Product and Marketing teams to design and enhance products and services tailored to the needs of commercial clients.

Job Specification:

• Bachelor’s degree in Finance, Business Administration, Economics, or related to the field.
• 5–7 years of experience in banking, preferably in commercial banking roles.
• Experience with non-funded income products and FX market transactions is strongly preferred.
• Strong analytical, interpersonal, and communication skills.
• Ability to manage multiple priorities and collaborate effectively across departments.

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.