The scope of work of the Credit Analyst covers the following specific areas:
• Undertake appraisals of guarantee and grant applications of MSMEs by verifying compliance with guarantee eligibility and selection criteria, by appraising the financial capacity of the business, and reviewing the feasibility of investment projects
• Ensure the implementation of financing policies, procedures, and processes by PIs
• Coordinate the development of guarantee and grant applications in close cooperation with PIs and allowing for an adjustment of the applications in case of inconsistencies. Supports the PI’s financing officers in developing together with the applicants consistent and complete guarantee applications
• Recommend compliant guarantee and grant applications for approval and incompliant cases for rejection to ACGF
• Collect and maintain guarantee and grant-related processing data for documentation and reporting purposes
• Provide ad-hoc support to ACGF’s operations unit with a particular focus on guarantee and grant-related tasks
• Conduct MSME field visits and verifications, and report findings to SCSA Management and ACGF Operations Unit
• Conduct file verifications at PI premises and report findings to SCSA Management and ACGF Operations Unit
• Act as liaison between the ACGF Operational team in Germany and PIs on all operational activities
• Monitor the integrity and compliance of the credit and grant operations of the respective PIs and contribute to initiatives of ACGF to improve the compliance and performance of PI staff
• Develop reports and information documents in relation to grant and guarantee procedures
• Support and train new SCSA Analysts and contribute to their professional development, particularly with regard to the Matching Grants program
• Other ad-hoc related tasks as per instructions of SCSA Management.
Education:
• Bachelor’s degree in Banking, Finance, Accounting, Business Management, Economics, or a related field; an advanced degree in a relevant field is preferred.
• Strong knowledge of MSME lending.
• Advanced proficiency in Microsoft Office (Excel, Word, PowerPoint) and good computer skills.
Experience:
• Minimum of 3 years of relevant experience in Credit.
• Good knowledge of the Afghan financial sector.
• Business mindset and good insight into issues of SME finance.
Skills and Personal Attributes:
• Strong leadership, interpersonal, and communication skills
• Previous experience with grant programs is a plus
• Excellent analytical skills and good reporting skills
• Ability to work independently and to work confidentially
• Ability and willingness to do field work outside and to travel throughout Afghanistan, if needed
• Capacity to process and analyse complex credit information efficiently and accurately
• Excellent written and spoken English and fluency in the local language are required
• Be able to work in a remote setting (including the availability of a designated office space and a steady internet connection)
What we offer
• Competitive compensation
• Training opportunities
• Contribution to a visible impact in Afghanistan
• An environment supporting autonomous and results-oriented work with short communication and decision-making processes
• SCSA provident fund scheme
• Transportation allowance
• Health cost support
• Communications Allowance
Please apply online at https://acgf.bamboohr.com/careers/207 and include a 1-page cover letter, your CV, and three references.
Please mention “Application for the position of 'Credit Analyst (SCSA LLC/2025/205)” in the subject line of the cover letter.
Only shortlisted candidates will be contacted.
SME Client Support Afghanistan LLC (“SCSA”) is a consulting and service company registered with the Ministry of Commerce and Industries with its headquarter in Kabul. SCSA is fully owned by ACGF - Afghan Credit Guarantee Foundation (“ACGF”), a foundation with legal incorporation in Germany. ACGF is a credit guarantee fund with the mission to improve access to finance for Afghanistan’s micro, small and medium-sized enterprises (“MSMEs”) by sharing the credit risk of the Afghan partner financial institutions (“PIs”) and by improving their MSME lending capacity with technical assistance (“TA”). Governed by a service contract concluded between ACGF and SCSA, SCSA provides a broad range of ancillary services in the context of ACGF’s credit guarantee technical assistance operations, and program execution.
SCSA is a consulting company, not a financial institution, and it does not provide any financial services. SCSA does not have contractual relationships with the Afghan PIs; it acts as service provider to ACGF carrying out a range of various services, e.g. conducting market research on MSME finance, conducting training needs assessment, providing ongoing technical assistance to PIs (e.g. training-on-the-job and coaching of MSME credit staff), providing support services for the credit guarantee appraisal and guarantee claim appraisal, carrying out monitoring support for the guarantee portfolio and the compliance of PIs as well as collecting various types of information for ACGF (market-, portfolio-, risk-relevant information).