1. 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.
2. 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.
3. 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 immediately.
9. 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.
- Bachelor’s degree in Finance, Accounting, Economics, or a related field preferred
- Previous experience in finance, accounting, or a similar role is an advantage
- Strong understanding of financial principles and financing procedures
- Ability to analyze financial data and assess risk
- Good communication and interpersonal skills
- Attention to detail and high level of accuracy
- Ability to maintain confidentiality and financial integrity
- Proficiency in MS Excel and basic accounting software
- Strong organizational and time-management skills
- Honest, responsible, and analytical mindset
Interested candidates send their CVs to the email address below;
hr@lamen.af
Lamen Microfinance Institution (LMI) was established in December 2024, received an operational license from the Central Bank of Afghanistan (DAB), and is a specialized financial organization that provides Shariah-compliant financial services to low-income individuals, small businesses, and vulnerable communities. Its main objective is to improve livelihoods, reduce poverty, and support entrepreneurship through ethical financial products that comply with Islamic principles.