Ensure all financial products, services, and transactions adhere to Islamic principles and comply with Sharia law.


 Develop, review, and implement organizational policies and procedures to ensure compliance with relevant sector laws, regulations, and industry standards.

Conduct regular risk assessments to identify potential threats and vulnerabilities within the organization, as well as with other stakeholders, evaluating the impact and likelihood of each risk. The risks are assess through pre and post-disbursement visits, monitoring visits, recovery verification, verifying creditworthiness of individuals, and document checks.
Monitor and enforce adherence to established policies, ensuring that employees and departments comply with regulatory requirements and internal guidelines.
Develop and deliver training programs to educate employees on compliance matters, risk mitigation strategies, organizational policy and procedures, introduction and implementation processes of new products and services, and ethical conduct, fostering a culture of compliance throughout the organization.

Perform regular internal audits to assess the effectiveness of existing risk management and compliance programs. Conduct investigations into potential violations and take corrective actions as needed.

Prepare and submit comprehensive reports to senior management and regulatory bodies, documenting compliance activities, risk assessments, and any corrective actions taken.
Serve as a focal person of contact between the organization and regulatory agencies, staying informed about changes in laws and regulations that may affect the business.
Ensure the organization, stakeholders and client\\\'s data protection; measures align with relevant laws and standards, safeguarding sensitive information from unauthorized access or breaches.

Establish and maintain an ethical framework within the organization, promoting ethical behavior and integrity in all business activities.

Regularly review and update risk and compliance strategies, collaborating with various departments to implement improvements and adapt to changing regulatory landscapes.
MIS verification and data analysis of clients provided information.
Serve as a liaison during external audits and regulatory examinations, review responses to compliance audits or examination reports, make changes to the IMFP\\\'s policies, procedures, and control systems as necessary.
Ensure due diligence / AML/ CFT and other regulatory parameters.

 

Assist Branch-In-Charges in planning, formulation & implementation comprehensive business development strategies for Area Branches. This involves collaborative planning, thoughtful formulation, and effective implementation to foster growth and success in the designated regions
Develop a strong business strategy to focus on all relevant customer segments and MFP products & services in the Area branches.
Prepare Microfinance program budgeting and projections and help the Branch Managers in developing annual projections and budgeting for their prospective branches\\\' business segments.
Develop business initiatives and strategies and present them to all Branch Managers of the Area for improving business performance and achieving microfinance disbursements and recovery targets.
Ensure achievement of business targets assigned to the branches of the Area by identifying and capturing business opportunities in the area and facilitating field staff to prepare business strategy to capture the maximum market
Perform different analysis (NPL, OLP, GLP, Income report, portfolio analysis, administrative and operational expenses report, etc.) to understand the status of the target, and performance of the branches and design corrective action plans
Responsible for facilitating preparatory surveys, coordinating visitor visits, assisting audit and compliance teams, and creating case studies as needed. This role involves active participation in various activities to ensure seamless processes and documentation for surveys, audits, and compliance evaluations.
Conduct monthly performance review meetings with the area team to comprehensively evaluate progress in disbursement targets, recoveries, service quality, and operational efficiency of the Area Branches. This collaborative approach ensures a thorough examination of key metrics, fostering continuous improvement and strategic alignment within the team\\\'s operational framework.
Foster a culture of integrity by instilling strong ethical values in staff. Prioritize their continual training and development to uphold ethical standards and enhance professional growth
• Ensure strict adherence to Shariha guidelines, internal control mechanisms, and reporting protocols, aligning with IR policies and other relevant regulations, to guarantee operational activities comply with ethical, legal, and institutional standards.

Plan and review branch activities, ensuring the accomplishment of monthly and annual disbursement targets to sustain branch viability, aiming for break-even. Implement strategies for seamless recovery while adhering to a zero Non-Performing Loan (NPL) approach to enhance overall branch performance.
Conduct financial impact assessments for beneficiaries and develop business plans to foster enterprise development. This involves a thorough examination of the financial implications for those involved, ensuring comprehensive insights and strategic planning for sustainable business growth.
Enter KYC forms and client recoveries into the designated MIS portal to ensure data protection and accuracy. This meticulous process is vital for maintaining the integrity of information, safeguarding client details, and upholding high standards of precision in record-keeping.
Conduct pre and post-disbursement visits to check the client\\\'s business progress and ensure compliance with risk factors. This proactive approach helps monitor and assess the ongoing viability of the client\\\'s enterprise.
Keep staff motivated, raising awareness of their roles, identifying technical and enterprise training needs for clients, providing business development training to beneficiaries, develop market linkages for clients to maximize profits, explore market opportunities through research. Offering general office support such as file maintenance, meeting organization, and routine administrative tasks.
Prepare and circulate monthly reports to area management, include disbursement, recovery, NPL, petty cash expenses, and other essential data and assigned tasks. This comprehensive reporting ensures transparency and facilitates informed decision-making at the area management level.

• Provide information to prospective customers on all the bank’s products
• Brief clients on detailed procedures for obtaining loans
• Maintain ongoing contact with all clients
• Facilitate clients in opening deposit accounts with the bank.
• Research for Identification of new client areas
Operational Activities
• loan appraisal
• Loan Disbursement and Recoveries
• Account opening
• Issuing chequebooks to the clients
• Inward and outward clearings
• Bank Reconciliation
• Cash handling
• Remittances etc……….