Risk Officer

Role summary The Risk Officer ensures that all branch operations comply with company policies and Sharia principles, while safeguarding collaterals and financing documents. They monitor financing activities, assess work quality in the field, and detect any fraud or misuse of company assets. The role includes verifying administrative controls such as attendance, inventory, asset assignment, and conducting cash counts. They prepare timely reports, coordinate with supervisors, and travel to branches to support risk assessment and operational oversight. Duties and responsibilities · Ensure collateral are in the safe and ordered properly and all original Financing contracts are kept with collateral in safe side; · Ensure branch activity compliance with company policy. · Ensure the branch financing is sharia compliance framework · Monitor and appraise financing's/credits prior to financing in the field. · Able to work in the field and travel to multiple cities, in case required. · Able to consolidate reports and send to risk manager/risk supervisor on time. · Ensure that attendance sheet is filled with the exact time of reaching the office; · Check the last updated Inventory with what is present in the Office; · Check that the asset assignment Forms are being filled for each asset; · Check an office supply assignment is properly used and consolidate report and report it direct to Credit Risk Supervisor/Risk Manager; · c) Financing Officer Work quality check. · Able to detect fraud and misuse of the company’s property and asset. · As per mission schedule given to Risk Officer, he/she must be attached with at least one Financing Officers (further as instructed by Credit Risk Supervisor/Risk Manager) in financing process to check work quality of financing officers · Consolidate report and report it direct to Credit Risk Supervisor/Risk Manager; · d) able to cash count and report to risk supervisor/risk manager · Be able to travel to the branches any time she/he is assigned to travel; · Keep copies of financing documents as sample for issues identified; · Take written consent from clients for miss use of Financing and any possible misconduct by branch staff; · If possible, Risk Officer must visit area Leader (Wakeel Guzar) or any other government offices and get more information about area and people in the area; · Ensure each Financing Officer has a folder containing the copies of his client files and this according to the Personnel client filing Memo; Job requirements A Bachelor degree in Business Administration, Finance or Economics;  1 to 3 years’ experience in microfinance, commercial banking or in the financial sector;  Mature, honest and punctual.  Integrity, honesty and commitment;  Experience in the field of internal control, internal audit or external Risk a) Experience handling cash (business or household), experience with a Microfinance Institution preferable; b) Fluent in Dari and English welcome but not essential c) Computer skills in Word and/or Excel d) Strong organizational and interpersonal skills Able to work independently and in a group, willing to take initiative, and energetic; Able to learn quickly Fluent in Dari and English welcome but not essential.  Good knowledge of accounting;  To be fluent, in reading, writing, and speaking of the local languages;  To be flexible, having positive attitude and the ability to work under pressure;