About Mutahid Development Finance Institution

Mutahid (meaning United in local language) Development Finance Institution (MUTAHID) was established on April 1, 2011 and initially three MFIs namely Microfinance Agency for Development and Rehabilitation of Afghan Communities (MADRAC), Parwaz Microfinance Institution (PARWAZ) and Mofad Microfinance Company (MOFAD) were consolidated. Later on, three additional MFIs namely Women for Women International Microfinance Afghanistan (WWI), Ariana Financial Services (AFS) and ChildFund Afghanistan Microfinance Limited (CFA MF) consolidated into MUTAHID. The creation of MUTAHID was an opportunity to combine the best components of these consolidating institutions and to preserve the significant investments made over the last few years, to create one larger, stronger and sustainable, best practice MFI based on the core principles of ethics, ideas and hard work while incorporating the lessons learned from the past. Microfinance Investment Support Facility for Afghanistan (MISFA) is supporting MUTAHID directly by providing direction, capacity building and financial resources and while a division of MISFA is run as a separate autonomous operating entity. The management of MUTAHID is ensuring the orderly and judicial transfer of good clients, quality staff and assets of the consolidatin

Job Description: Financing Officer

Job Summary

The Financing Officer is responsible for explaining financing products and eligibility for financing to customers, developing a client acquisition plan, conducting field visits for financial analysis, meeting monthly financing targets, growing the outstanding portfolio, and ensuring compliance with Islamic Financing requirements.

Duties & Responsibilities

• Product Explanation: Explain to customers the different types of financing options available, as well as the terms of those services.
• Client Training: Identify and train potential clients on MUTAHID Financing methodologies.
• Client Acquisition: Develop a work plan for attracting clients in the assigned geographical area.
• Marketing: Advertise and promote Mutahid’s Financing products to potential clients.
• Field Visits: Conduct field visits to analyze applicants' financial status, credit, and property evaluations to determine the feasibility of granting financing.
• Target Achievement: Meet monthly financing targets set by the operations department.
• Portfolio Growth: Grow the outstanding portfolio while maintaining a healthy portfolio.
• Client Relations: Maintain good relations with existing clients and focus on their needs.
• Recovery Management: Manage the recovery of financing from clients through timely follow-ups and ensure repayments are deposited with the branch cashier.
• Policy Guidance: Provide clients with information on the Murabaha policy and procedures of Mutahid DFI.
• Monitoring: Monitor existing clients and report any deficiencies to branch management.
• Sharia Compliance: Ensure there are no violations in Sharia (Murabaha process).
• Additional Tasks: Perform any other tasks assigned by the line supervisor.

Job Requirements

• Educational Background: Minimum high school diploma; university education in finance or retail banking is preferred.
• Experience: Field experience is an advantage; experience in private business, credit, and trade is beneficial.

Other Requirements:

• Initiative, integrity, self-management, and the ability to work independently.
• Experience working in the field, bazaars, or markets is an advantage.
• Knowledge in social science or some experience in social work is beneficial.
• Good communication skills and ability to work in a team.
• Fluency in Dari and Pashto is required; some knowledge of English is an advantage.
• Proficiency in computer applications (MS Office).

Submission Guidelines

Interested candidates can send their CVs to: vacancies@mutahid.org.af

Note: Candidates must write the position and reference number in the email's subject line:

• For Kabul: FO, Mutahid-KBL/038/2025
• For Mazar: FO, Mutahid-MZR/39/2025