Individual Lending Manager, FINCA Afghanistan

FINCA International, one of the world’s leading microfinance institutions, provides financial services to nearly 900,000 clients through 21 wholly-owned and operated subsidiaries in Africa, Eurasia, Latin America and the Greater Middle East. 

FINCA International is currently looking for an Individual Lending Manager (IL). The IL Manager will be responsible for directing and daily management of FINCA Afghanistan’s complete cycle of Individual Lending activities as well as other activities related to operations, including staffing, products, and procedures. He/she will approve larger-sized loans in a credit committee context and will ensure that F/Afghanistan’s Small Enterprise Loans (SEL) and Business Murabaha Agreement (BMA) activities are maximally competitive, with excellent portfolio quality, contributing significantly to F/Afghanistan’s profitability; that Individual Lending activities are implemented in a most efficient, client-friendly, safe, and professional manner; and that F/Afghanistan has both SEL & BMA staff (loan officers, credit management staff, credit back office staff and other) in adequate numbers and with excellent skills.

He/she will:

• Supervise and develop all SEL and BMA staff which includes SEL Regional Credit Coordinators (20%),
• Manage the development and implementation of SEL product, and refine the BMA product (15%),
• Develop procedures and ensure compliance as per Afghanistan law for SEL and Afghan as well as Sharia law for the BMA product (15%),
• Train Staff on the implementation of the SEL product policies and procedures in order to enhance the knowledge and implementation of policies and procedures (20%),
• Manage portfolio quality and carry out credit analysis to minimize risk in line with FINCA Afghanistan’s credit policy (15%),
• Conduct for formal and informal Performance Evaluation of the Branches and Credit Staff (15%).

Ideal profile:

• Desirable: Degree in Business, Finance, Business Administration or Economics,
• Experience in developing and implementing individual lending operations for financial institutions,
• Excellent organizational, planning, analytical and problem-solving skills,
• High level of customer service and strong willingness to work in the field,
• Strong business management and negotiation skills,
• Experience managing and motivating staff,
• Excellent interpersonal, communication and training skills,
• Report writing skills and computer literacy,
• Fluency in local language, working knowledge of English,
• Availability domestic travel 50%),
• 4-year experience minimum in banking or microfinance as a manager of IL operations or as branch manager of a significant branch

FINCA International Inc. is an Equal Opportunity Employer