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 Summary

The Branch Manager is responsible for the overall leadership, management, and supervision of branch operations in accordance with the policies, procedures, and operational standards of Apex Amanat Microfinance Services and the regulatory requirements of Da Afghanistan Bank (DAB).

The role ensures efficient branch performance, strong portfolio quality management, compliance with Islamic microfinance principles (Hanafi-based Sharia compliance), effective staff supervision, risk management, internal control adherence, and sustainable branch growth.

The Branch Manager is accountable for achieving portfolio targets, maintaining asset quality (PAR), strengthening client relationships, ensuring operational efficiency, and enforcing institutional policies and procedures at branch level.

Key Responsibilities

1. Branch Operations Management

• Oversee all operational activities of the branch in line with institutional policies and procedures.
• Ensure effective implementation of operational manuals and internal control systems.
• Supervise daily branch activities to ensure timely and accurate execution of tasks.
• Ensure proper cash management, security, and safeguarding of branch assets.
• Maintain coordination between branch staff and Head Office/Regional Office.
• Ensure operational efficiency and compliance with institutional standards.

2. Portfolio Management

• Manage and monitor overall branch financing portfolio performance.
• Ensure portfolio growth while maintaining strong portfolio quality.
• Monitor Portfolio at Risk (PAR) and ensure timely corrective actions.
• Supervise follow-up on overdue clients and support recovery efforts.
• Ensure proper client monitoring and repayment tracking.
• Review portfolio reports and ensure accuracy before submission.
• Promote responsible repeat financing and client retention.

3. Staff Leadership and Management

• Supervise all branch staff including Deputy Branch Manager and Financing Officers.
• Conduct regular performance reviews based on KPIs and targets.
• Provide coaching, guidance, and on-the-job training.
• Ensure discipline, integrity, and professional conduct within the branch.
• Identify staff capacity gaps and recommend training programs.
• Conduct regular operational meetings to review performance and challenges.

4. Client Service and Business Development

• Ensure high-quality client service delivery at branch level.
• Strengthen relationships with clients and local community stakeholders.
• Support branch growth through client acquisition and outreach activities.
• Promote Islamic microfinance products and services.
• Ensure transparency and professionalism in all client interactions.
• Handle and resolve client complaints in a timely and professional manner.

5. Sharia Compliance

• Ensure all financing activities comply with Hanafi-based Islamic finance principles.
• Ensure proper execution of Murabaha-based financing procedures.
• Ensure ownership and possession requirements are fulfilled before sale.
• Ensure proper documentation of all Islamic financing contracts.
• Coordinate with Sharia compliance advisors when required.

6. Risk Management and Internal Control

• Ensure compliance with risk management policies and internal control systems.
• Monitor operational, financial, and fraud-related risks at branch level.
• Ensure confidentiality and safe custody of all branch records and documents.
• Report irregularities, fraud risks, or operational issues to Regional Management.
• Facilitate internal audit and compliance reviews.
• Ensure implementation of audit findings and recommendations.

7. Reporting Responsibilities

• Prepare and submit daily, weekly, and monthly branch performance reports.
• Ensure accurate reporting of portfolio status, PAR, and operational performance.
• Maintain updated MIS data and branch records.
• Report key achievements, risks, and operational issues to Regional Manager.
• Ensure data integrity and accuracy in all reporting systems.

8. Compliance Responsibilities

• Ensure full compliance with Da Afghanistan Bank (DAB) regulations and institutional policies.
• Implement AML/CFT policies and customer due diligence procedures.
• Maintain strict confidentiality of client and institutional information.
• Ensure ethical conduct and professional standards across all branch activities.

Required Qualifications

• Bachelor’s degree in Business Administration, Economics, Finance, Accounting, or related field.
• Minimum 3–5 years of experience in banking or Islamic microfinance operations.
• At least 2 years of experience in supervisory or branch management roles.
• Strong understanding of Islamic microfinance principles and Murabaha-based financing.
• Knowledge of portfolio management and PAR monitoring.
• Strong leadership, communication, and decision-making skills.
• Proficiency in MS Office and MIS/core banking systems.
• Ability to work under pressure and manage operational risks.
• Fluency in Dari and/or Pashto; English is an advantage.

Key Performance Indicators (KPIs)

• Portfolio growth and quality (PAR performance)
• Recovery and collection performance
• Client retention and outreach growth
• Operational compliance and audit rating
• Staff performance and target achievement
• Accuracy and timeliness of reporting
• Customer satisfaction level

If you have the expertise to take on this exciting opportunity, please apply online by filing the form no later than May 27, 2026. 

https://forms.gle/SXmvoCK9k6NxxhDr7

Applicants must complete all required fields and upload the their CV maximum 3 pages. Incomplete applications or applications submitted after the deadline will not be considered.

Only shortlisted candidates will be contacted for further assessment.

https://forms.gle/SXmvoCK9k6NxxhDr7