Credit Risk Management: 

• Develop and implement comprehensive credit risk management strategies, policies, and procedures to ensure a high-quality loan portfolio aligned with Islamic Sharia principles.
• Identify, assess, and mitigate credit risks, including those related to microfinance products and services.
• Monitor key risk indicators (KRIs) to proactively address potential credit risks and maintain portfolio health.

Loan Portfolio Oversight: 

• Oversee the institution’s loan portfolio, ensuring credit quality and minimizing non-performing loans.
• Conduct regular portfolio reviews to identify risks and implement mitigation strategies.
• Ensure alignment of lending practices with Islamic Sharia-compliant financing principles (e.g., Murabaha, Mudaraba, Ijara).

Credit Policy Development: 

• Develop and maintain credit policies, procedures, and guidelines that comply with Central Bank regulations, Islamic Sharia standards, and microfinance best practices.
• Ensure policies support financial inclusion while maintaining risk control and operational efficiency.

Credit Approval: 

• Review and approve loan applications, ensuring decisions adhere to established credit policies, Islamic Sharia principles, and regulatory requirements.
• Provide guidance on complex credit cases to ensure sound lending decisions.

Staff Management and Development: 

• Lead and manage a team of credit professionals, providing training, mentorship, and performance evaluations to enhance team capacity.
• Foster a culture of accountability, ethical decision-making, and compliance with Sharia and regulatory standards.

Regulatory and Stakeholder Engagement: 

• Collaborate with the Central Bank of Afghanistan and other regulatory bodies to ensure compliance with applicable laws and regulations.
• Serve as a key liaison with internal and external stakeholders, including auditors, clients, and partners, to promote transparency and trust.

Islamic Sharia Compliance:

• Ensure all credit products and processes comply with Islamic Sharia principles, including oversight of Sharia-compliant financial instruments.
• Work with Sharia advisory boards to validate compliance and address emerging issues in Islamic finance.

Reporting and Analytics:

• Compile, assess, and report credit risk information to the Chief Executive/Operation Officer and the Board of Supervisors.
• Utilize data analytics to monitor portfolio performance, identify emerging risks, and update the risk profile.

Social Impact and Financial Inclusion:

• Support Aurum Afghanistan’s mission by ensuring credit policies and practices promote access to finance for low-income clients.
• Monitor the social performance of credit operations to align with the institution’s social goals.

Other Duties:

• Perform additional tasks as assigned by the Chief Executive Officer to support organizational objectives.