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.

Rupani Development Initiative (RDI) is looking for experienced professionals for its upcoming Microfinance Institution (MFI) in Afghanistan. The positions aim to build a strong management team to ensure effective operations, financial sustainability, and impactful service delivery.

The MIS / Compliance Officer will be responsible for two integrated functions: (i) enterprise data governance and reporting (MIS) and (ii) regulatory, Sharia, and policy compliance. The role ensures decision-grade data, timely filings to regulators, and continuous adherence to AAMS policies, Da Afghanistan Bank (DAB) rules, and Islamic finance standards.

General Responsibilities:

1. 1. Own branch-to-head office data flows: define data standards, perform quality checks, and ensure accurate, complete, and timely MIS reporting (daily/weekly/monthly).
   2. Maintain a compliance control framework covering regulatory obligations, Sharia adherence, client protection, and internal policy compliance.
   3. Coordinate with Finance/MIS/Operations to reconcile portfolio figures (disbursements, repayments, PAR) with accounting ledgers.
   4. Track regulatory changes (DAB, ACBR, AML/CFT) and prepare implementation notes/SOP updates.
   5. Support audits (internal/external/Sharia) and monitor closure of audit findings within agreed timelines.
   6. Develop staff capability on data accuracy, documentation, and compliance culture at branch level.

Specific Responsibilities:

MIS & Data Governance

1. Design and maintain data dictionaries, reporting templates, and SOPs for all core indicators (pipeline, TAT, disbursement, recovery, PAR, write-offs).
2. Run daily/weekly exception reports (missing documents, overdue postings, anomalies) and coordinate remediation with branches.
3. Reconcile MIS to finance (GL/trial balance) and resolve breaks with Finance and Operations.
4. Automate dashboards (e.g., Excel/Power Query/basic SQL/Power BI preferred) for management and Board packs.
5. Ensure data security and privacy controls, including access rights, backups, and audit logs.

Regulatory & Policy Compliance

1. Ensure adherence to DAB regulations governing NBFCs, reporting calendars, and prudential ratios.
2. Monitor Sharia compliance of product execution (e.g., Murabaha documents, cost disclosures, delivery proof) and coordinate with Sharia Advisor/Board.
3. Maintain the compliance register (obligations → owners → due dates → status) and report breaches with corrective actions.
4. Support AML/CFT controls: KYC, watchlist screening coordination, transaction monitoring flags to relevant units.
5. Lead branch compliance reviews using checklists; document findings and follow-up to closure.

Training, Audits & Continuous Improvement

1. Conduct quarterly trainings for branch staff on documentation quality, MIS accuracy, Sharia process steps, and client protection.
2. Prepare audit-ready files (sampling frames, reconciliations, evidence) for internal/external/Sharia audits.
3. Recommend system/process enhancements to reduce operational risk and improve data timeliness and accuracy.

Education & Experience
• Bachelor’s degree in Business Administration, Economics, Social Sciences, Information Systems/Data, or related field (Master’s preferred).
• Minimum 3–5 years in MIS, compliance, audit, or M&E within microfinance, banking, or development finance.
• Experience reconciling MIS and finance data and preparing regulatory reports is strongly preferred.

Required Skills
• Strong understanding of DAB regulations and awareness of AML/CFT requirements.
• Working knowledge of Islamic finance compliance principles (product execution steps, documentation trails).
• Advanced MS Excel (pivot tables, lookups); experience with SQL/Power BI or MIS software is an advantage.
• Excellent analytical, writing, and presentation skills; high attention to detail and integrity.
• Fluency in English, Dari, and Pashto; strong English reporting skills.

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

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