ACBAR

About Apex AMANAT Microfinance Services (AAMS):

Apex AMANAT Microfinance Services (AAMS) is a growing MFI, professionally managed, and Sharia-compliant financial institution under the umbrella of the Rupani Development Initiative (RDI), a multi-country impact investment group operating across different parts of the world. RDI has a two-decade track record of delivering integrated development solutions in climate resilience, food security, livelihoods, and enterprise. Building on this foundation, AAMS has been established to deliver Islamic financial services that empower micro, small, and medium entrepreneurs, enhance financial inclusion, and promote ethical wealth creation. AAMS combines international financial standards, digital innovation, and Islamic principles to offer Murabaha, Qard al-Hasan, and other faith-compliant products that support the transition from aid to enterprise.Professionals joining AAMS will be part of a high-caliber institution, working under a robust governance structure, with clear pathways for career growth across RDI’s impact investment network including health, agricultural, technology and livelihoods sectors.

Job Description:

The Asset Management Officer (AMO) is responsible for managing AAMS’s financial assets and client portfolios, ensuring timely disbursement, recovery, and Sharia-compliant execution of all financing operations. This role bridges the gap between financial stewardship and client relationship management, ensuring that assets are deployed efficiently, risks are mitigated, and portfolio quality is maintained at the highest standards. The AMO will report to the Manager – Operations and coordinate closely with the Finance, Compliance, and Branch teams to maintain transparency, accountability, and performance across all financing activities.

General Responsibilities:
 

1. 1. Manage and oversee disbursement and recovery processes of all client assets and financial products under AAMS.
   2. Ensure asset management and recovery practices comply with Sharia principles, focusing on transparency, fairness, and client trust.
   3. Maintain accurate asset and financing records, including Murabaha agreements, repayment schedules, and portfolio balances.
   4. Monitor asset performance indicators such as Portfolio-at-Risk (PAR), on-time recovery rates, and operational efficiency.
   5. Lead client assessments and financial due diligence to ensure appropriate financing decisions.
   6. Coordinate with Operations and Finance teams to ensure accurate reporting, reconciliations, and liquidity management.
   7. Develop and implement asset tracking systems to minimize delinquency and improve recovery performance.
   8. Promote financial literacy and responsible financing practices among clients and field staff.
   9. Support branch-level financial performance reviews, identifying underperforming assets and corrective measures.
   10. Ensure full compliance with Da Afghanistan Bank (DAB) regulations and AAMS operational policies

Specific Responsibilities:

Asset and Portfolio Management

1.  Plan and execute disbursement cycles, ensuring timeliness, documentation accuracy, and Sharia compliance.
2. Oversee Murabaha, Ijarah, and Qard-al-Hasan contracts, ensuring they are structured and recorded correctly.
3. Assess client creditworthiness through thorough analysis of income, repayment capacity, and collateral (where applicable).
4. Approve or recommend loans within delegated authority, ensuring alignment with MFI policies and Sharia principles when applicable.
5. Conduct regular asset audits and reconciliations between field data and financial records.
6. Implement strategies for portfolio quality improvement, including proactive follow-ups and restructuring where necessary.
7. Analyze trends in asset utilization, delinquency, and repayment behavior to support decision-making.

Recovery and Risk Management

1. Design and enforce recovery mechanisms that uphold client dignity and institutional ethics.
2. Engage with clients facing financial stress to identify faith-aligned, fair solutions.
3. Collaborate with Compliance and Legal teams to manage recoveries within institutional policies and Sharia frameworks.
4. Provide accurate recovery and default reports to management with recommendations for portfolio improvement.

Capacity Building and Team Support

1. Train branch and field staff on Islamic asset management, client engagement, and ethical recovery.
2. Participate in internal learning initiatives to enhance team understanding of Sharia-compliant finance operations.
3. Contribute to continuous improvement of standard operating procedures (SOPs) forasset management.

Education & Qualifications

• Bachelor’s degree in Finance, Economics, or Business Administration (Master’s preferred).
• Training or certification in Islamic microfinance or Sharia-compliant lending is an asset.

Experience

• 3–5 years of experience in microfinance operations, portfolio management, or asset recovery.
• Proven experience managing Islamic financing instruments or working with clients in a Sharia-compliant financial environment.
• Strong knowledge of credit/asset risk assessment, repayment cycles, and financial documentation.

Skills & Competencies

• Strong analytical, numerical, and problem-solving abilities.
• Excellent interpersonal communication and client-handling skills.
• Proficiency in Microsoft Excel and accounting/MIS software.
• High ethical standards and integrity in dealing with client and institutional funds.
• Fluency in English, Dari, and Pashto.

Safeguarding Statement:
Apex AMANAT Microfinance Services (AAMS) maintains a zero-tolerance policy toward all forms of exploitation, abuse, and child maltreatment. The organization treats all concerns and complaints involving its employees and affiliated personnel with utmost seriousness. To uphold the highest standards of integrity and safety, all prospective candidates undergo rigorous background checks and screening procedures

1. Click the link https://lms.gbtechive.com/job-portal/detail/33) or copy and past in new tab

2.  Review the job description → Click “Apply Now”

3. click “Need an Account?” to create your account

4. Sign in with your account

5. Fill out your profile honestly and completely before applying.

https://lms.gbtechive.com/job-portal/detail/33