ACBAR

Lamen Microfinance Institution (LMI), registered with the Central Bank of Afghanistan (Da Afghanistan Bank), having its main office (HQ) in Kabul - Afghanistan. LMI's services are built upon Islamic finance principles, offering three core financing products: Murabaha, Mudarabah, and Musharakah. These products are structured under both LMI's internal policies and the regulations set forth by the Da Afghanistan Bank. This ensures compliance and ethical lending practices within the Afghan financial landscape.

The Microfinance Operations Manager is responsible for leading and overseeing the LMI’s operational activities, ensuring that all branches and field teams deliver high-quality financial services in a timely, efficient, and compliant manner. The purpose of this role is to enhance outreach to underserved communities, maintain a healthy loan portfolio, and support the institution’s growth and sustainability by optimizing operational performance. Below are the core duties and responsiblities of the mentioned job. 

1. Operations Management

• Oversee and manage daily microfinance operations across all branches and field offices.
• Ensure timely loan disbursement, accurate repayment collection, and effective client servicing.
• Monitor branch-level performance and ensure compliance with operational targets.
• Enforce operational procedures, internal controls, and regulatory requirements.

2. Credit and Portfolio Management

• Supervise credit processes including client appraisal, loan approval, and monitoring.
• Analyze portfolio performance indicators .i.e. PAR, repayment rates, client growth).
• Implement strategies to reduce portfolio-at-risk (PAR) and non-performing loans.
• Support and guide staff in resolving overdue or problematic accounts.

3. Staff Supervision and Capacity Building

• Lead, manage, and mentor Branch Managers, Credit Officers, and field teams.
• Conduct regular staff evaluations and identify training needs.
• Organize capacity-building programs to enhance staff performance and client interaction skills.
• Promote teamwork and accountability among the operations team.

4. Client Relationship and Service Quality

• Ensure high standards of customer service and client satisfaction.
• Promote financial literacy, ethical lending, and transparent practices among clients.
• Address and resolve client complaints or operational issues in coordination with branch teams.

5. Strategic Planning and Expansion

• Contribute to the development of operational strategies and business plans.
• Lead the opening of new branches or introduction of new products/services.
• Identify opportunities for improving operational efficiency and outreach.

6. Monitoring, Reporting, and Documentation

• Track and report operational performance metrics regularly to senior management.
• Analyze field data to support decision-making and risk management.
• Ensure timely submission of internal reports, compliance documents, and donor reports.

7. Coordination and Communication

• Collaborate with Finance, HR, IT, and Compliance departments to support smooth operations.
• Represent operations in management meetings and external coordination events.
• Maintain communication channels between the head office and branches.

8. Compliance and Risk Management

• Ensure that all operations adhere to institutional policies, donor guidelines, and DAB’s regulations.
• Identify risks in operational areas and propose solutions to mitigate them.
• Support audit processes and implement recommendations for operational improvement.

9. Community Engagement:

• Participate in community activities to promote microfinance services and financial literacy.
• Build strategic partnerships with local NGOs, businesses, and community leaders to enhance service delivery.

1. Education

• Bachelor in Business Administration, Finance, Microfinance, Economics, or a related field. Master’s degree is preferred.

2. Experience

• Minimum of 5–7 years of experience in microfinance or financial services, including at least 2 years in a leadership or managerial role.
• Strong understanding of microfinance operations, credit risk management, and financial products.

3. Personal Skills & Abilities:

• Operational Leadership
• Credit Management
• Staff Development and Supervision
• Portfolio Monitoring and Risk Control
• Client-Centered Service Approach
• Performance Reporting
• Strategic Execution

Interested candidates should send their Resumes and Cover Letters to hr@lamen.af with the Subject Line "Microfinance Operation Manager - LMI-KBL-25009". The deadline for receiving applications is Thursday, 15/05/2025  04:00 PM Applications received later than the mentioned deadline will not be considered.

Only Shortlisted Applicants will be contacted.

hr@lamen.af