Main responsibilities
- Identify, assess, and monitor credit, operational, market, and reputational risks across branches and field operations.
- Verify the accuracy and completeness of Murabaha financing documentation and highlight risk-related gaps or exposures.
- Perform risk-based reviews of client files, portfolio quality, and lending processes.
- Conduct pre- and post-disbursement checks to evaluate risk exposure and report findings.
- Assess compliance risks (e.g., procedural gaps or regulatory exposure) within the broader risk framework, and report to the Head of Risk.
- Conduct root-cause analysis for risk incidents and support action plans for mitigation.
- Immediately escalate any suspected fraud, staff misconduct, or major control weaknesses that could pose a risk to Mutahid.
- Submit regular risk assessment reports to the Head of Risk summarizing findings, risk trends, and follow-up actions.
Administrative responsibilities:
- Maintain a systematic record of all risk assessments, reports, and identified risk indicators.
- Follow up on implementation of risk mitigation recommendations and track progress.
- Participate in special risk investigations as assigned by the Head of Risk.
- Support risk awareness initiatives across branch staff, focusing on internal control and risk mitigation practices.
Liabilities:
Failure to perform responsibilities effectively, including misjudgment in risk evaluation, poor documentation, or lack of proper escalation, may result in:
- Verbal warning
- Written reprimand
- Dismissal
Financial liability will apply per the terms of the employment contract.
- University degree in economics, finance, or related areas.
- Proficiency in local language(s); English desirable.
- Confident computer user.
- Strong analytical skills.
- Integrity, flexibility, strong organizational skills, and teamwork ability.
- Willingness and ability to work in the field extensively.
Note: The related officers, Risk Officer, will have 100% field work activities as well, according to plan.
Interested candidates can send their CVs to: vacancies@mutahid.org.af
Note: Candidates must write the position and reference number in the email's subject line. (Risk, Mutahid-FZD/61/2025)
Mutahid Microfinance Institution (MFI) is one of the leading Islamic microfinance institutions in Afghanistan. A wholly owned subsidiary of the Microfinance Investment Support Facility for Afghanistan (MISFA), the country’s apex microfinance agency. As a regulated institution licensed by Da Afghanistan Bank (DAB), Mutahid offers Shariah-compliant financial solutions designed to meet the diverse needs of aspiring entrepreneurs, small business owners, and underserved communities. Its ethical and interest-free products reflect both Islamic values and a deep commitment to social impact. With a growing footprint of 17 branches across 10 provinces, Mutahid continues to expand access to finance, stimulate local economies, and foster a resilient culture of entrepreneurship. Through tailored services, client-centric support, and operational excellence, Mutahid remains a trusted partner in Afghanistan’s journey toward inclusive and sustainable development.