Post Date: Mar 16, 2025

Closing Date: Mar 25, 2025

Reference: FEO-KBL-2015

Number of Vacancies: 8

Salary Range: As per company salary scale

Years of Experience:  – 3 years

Probation Period: Not Specified

Contract Type: Permanent

Contract Duration: Not specified

Contract Extensible: Yes

Minimum Education: Bachelor’s Degree

Gender: Any

About OXUS Afghanistan

OXUS Afghanistan started Operation in 2005 under support of ACTED, a development and relief NGO, which is operating in twenty five Countries of the world, and Microfinance Investment Support Facility for Afghanistan (MISFA). Currently, OXUS Afghanistan has a portfolio of over AFN 1,28 billion with an outreach of about 45,000 customers managed through 29 Branches, 14 provinces. OXUS Afghanistan is a part of OXUS Group, a global network of Microfinance Institutions created by ACTED, a leading international NGO operating in 44 countries. OXUS Afghanistan was created with funding from the Microfinance Investment Support Facility for Afghanistan (MISFA), a Government Apex agency set up by international donors in 2003 in order to develop and support the microfinance sector in Afghanistan. OXUS Afghanistan Provides Islamic financing. OXUS -Afghanistan has individual and group lending which helps Afghan people have access to finance. OXUS-Afghanistan provides financing for youth and women as women improvement process and support them for better access to finance.

Job Summary

The Islamic Financing Expert Officer is responsible for marketing and finding new clients for Oxus, as well as conducting business appraisals to determine their eligibility for financing. The role includes maintaining a high-quality portfolio by ensuring the viability of financing provided and actively managing client relationships.

Duties & Responsibilities

Marketing and Client Acquisition

1. Identify Potential Clients:

a)    Conduct market research to identify and target potential clients for Oxus’s financing products.

b)    Develop and implement marketing strategies and campaigns to attract new clients.

c)    Network with business communities, attend industry events, and engage in outreach activities to build client leads.

1. Client Engagement:

a)    Engage with prospective clients to understand their financing needs and explain Oxus’s financing solutions.

b)    Assist potential clients through the initial stages of the financing application process.

c)    Gather preliminary information to assess the feasibility of prospective client businesses.

1. Promotional Activities:

a)    Prepare and distribute promotional materials.

b)    Utilize digital marketing tools and platforms to reach potential clients.

Business Appraisal and Financing

1. Conduct Detailed Business Appraisals:

a)    Collect and analyze detailed information on potential clients’ businesses, including financial statements, business plans, and guarantees.

b)    Assess the credibility, viability, and risks associated with potential clients’ financing applications.

c)    Perform due diligence to ensure that business plans and financial projections are realistic and that the proposed financing terms are suitable.

1. Application Processing:

a)    Ensure all financing application forms are completed accurately by clients, with a focus on the correct completion of the Business Profile.

b)    Assist clients in providing necessary documentation and clarify any aspects of the financing application process.

1. Decision-Making Support:

a)    Present findings and opinions during financing committee meetings to aid in the decision-making process.

b)    Participate actively in credit committee discussions at the branch level.

1. Client Relationship Management:

a)    Oversee the opening of financing accounts for approved clients and manage ongoing client relationships.

b)    Conduct regular site visits to monitor clients’ business performance and adherence to financing agreements.

1. Compliance and Follow-Up:

a)    Ensure timely repayments by maintaining accurate records of repayment schedules.

b)    Follow up with clients to remind them of upcoming payments and address any potential issues promptly.

c)    Coordinate with the recovery team to manage delinquent clients and initiate necessary recovery actions.

Coordination and Reporting

1. Collaborate with Internal Teams:

a)    Work closely with the Financing Administrator, Branch Manager, and recovery team to maintain portfolio quality and manage risks.

b)    Provide regular updates and reports on client acquisition activities and business appraisals.

1. Legal and Compliance:

a)    Handle the processing of legal complaint notices for delinquent clients in coordination with the recovery team.

b)    Ensure compliance with Oxus’s policies and regulatory requirements in all financing activities.

Job Requirements

Education:

Bachelor Degree .

Work Experience:

Prior experience in Microfinance sector and Banks as Financing Expert Officer.

Skills:

Basic spoken and written English, strong spoken and written in local languages ( Dari and Pushtu) and strong negotiating and good communication skills.

Submission Guideline

The application, consist of a one-page cover letter explaining your interest and suitability for the post along with up-to-date CV, should be sent via email (clearly indicating on the subject line the title of the position and Vacancy Announcement Number) before closing date to the given email address .

Or submit hardcopy at:

submit your CV along with a cover letter to House # 600, Street # 6, Qala-e-Fatullah, District 10, Kabul , OXUS, Afghanistan.

Only short listed candidates will be notified.

No phone calls will be entertained

Submission Email

Jobs@oxusaf.org