Risk Management:
- Develop and implement the MFI’s enterprise risk management (ERM) framework.
- Identify key risks (credit, operational, market, liquidity, reputational, strategic) and assess their impact on business operations.
- Conduct regular risk assessments and develop mitigation strategies.
- Monitor risk indicators and ensure that appropriate controls are in place.
- Support business continuity planning and disaster recovery initiatives.
Compliance:
- Ensure the organization complies with all applicable laws, regulations, and guidelines (e.g., Central Bank regulations, AML/CFT laws, consumer protection laws).
- Serve as the primary point of contact with regulatory bodies.
- Develop, review, and update internal compliance policies and procedures.
- Conduct regular compliance audits and assessments.
- Train staff on regulatory compliance, fraud prevention, and ethics.
Internal Controls s Reporting:
- Review internal processes and recommend improvements to enhance risk management and compliance.
- Coordinate with Internal Audit to ensure effective internal control systems.
- Prepare regular risk and compliance reports for senior management and the Board.
- Monitor and report any breaches in compliance and initiate corrective actions.
Anti-Money Laundering (AML) / Counter Financing of Terrorism (CFT):
- Oversee implementation of AML/CFT programs in line with regulatory requirements.
- Perform periodic customer due diligence (CDD) reviews and suspicious transaction monitoring.
- Ensure timely filing of Suspicious Transaction Reports (STRs) and Currency Transaction Reports (CTRs) where required.
- Bachelor’s degree in Finance, Risk Management, Law, Business Administration, or related field (Master’s preferred).
- Professional certifications such as CRMP, CAMS, CIA, or equivalent are an added advantage.
- Minimum 5 years of experience in risk, compliance, or internal audit within financial services, preferably in microfinance or banking.
- Strong knowledge of microfinance operations, products, and regulatory environment.
Key Skills s Competencies:
- Strong analytical and risk assessment skills.
- Thorough understanding of regulatory frameworks and compliance requirements.
- Ability to design and implement policies and procedures.
- High level of integrity and ethical conduct.
- Excellent communication and training skills.
- Strong problem-solving and decision-making ability.
- Proficiency in MS Office and risk management tools.
Working Conditions:
- Willing and able to conduct extended field visits, including to branch locations.
- Excellent written and presentation skills in English.
- Proven ability to work effectively under pressure and meet tight deadlines.
- Strong verbal and written communication skills in Dari, Pashto, and English.
- Exceptional interpersonal skills, with the ability to coach, mentor, and support team development.
Application Instructions:
Candidates must clearly mention the position title and vacancy reference number in the subject line of their application email.
Submission Email: hr@skm.af
Shahy Khazana Microfinance (SKM) is licensed as a Microfinance Institution under the Central Bank of Afghanistan (Da Afghanistan Bank) and registered with the Ministry of Commerce as a Limited Liability Company (LLC) with Head Office based in Kabul, Afghanistan. SKM specializes in delivering Shariah-compliant financing to underserved communities, with a focus on empowering small businesses and women entrepreneurs across Afghanistan