Financing Officer

About Hassel Microfinance Institution

Hassel Microfinance Institution is a wholly owned subsidiary of the Agriculture Development Fund. Hassel is a standalone financial institution that provides microfinancing to the entire agriculture value chain. Hassel was established in November 2024 and received an operational license from the Central Bank of Afghanistan (DAB). Hassel is a national microfinance institution exclusively supporting agricultural and livestock businesses. Through Shariah-compliant financing products, Hassel provides accessible financial services designed for the agricultural sector, empowering both male and female clients to enhance productivity and sustainability. With a mission to uplift farmers and agribusinesses, Hassel aims to improve economic growth, resilience, and improved quality of life across agricultural communities.

Job Summary

• The Financing Officer is responsible for managing the financial activities of an organization, ensuring proper allocation of funds, and maintaining financial stability. Their key role includes evaluating financial reports, preparing budgets, assessing loan applications, and ensuring compliance with financial regulations.

Duties & Responsibilities

Financing Assessment:

• Review and analyze financing applications from farmers, agribusiness owners, livestock producers or other business related to agricultural, livestock and irrigation.
• Conduct field visits to verify applicants' farming activities, livestock holdings, and business operations.
• Assess financing risk based on factors such as financial capacity, land ownership, agricultural productivity, market conditions, and livestock valuation.
• Ensure financing applicants meet the institution’s financing criteria and guidelines.

Financing Disbursement & Portfolio Management:

• Recommend financing approvals based on financial analysis and risk assessment.
• Monitor disbursed financing to ensure funds are used for the intended agricultural and livestock purposes.
• Track financing repayments and proactively follow up with clients to avoid delinquencies.
• Identify early warning signs of potential financing defaults and suggest remedial actions.

Client Relationship & Financial Advisory:

• Educate farmers and livestock owners on financial management, investment strategies, and financing repayment planning.
• Provide guidance on the best agricultural practices, livestock management, and market opportunities.
• Maintain strong relationships with clients to ensure trust and long-term cooperation.

Risk Management & Compliance:

• Ensure that all financing operations follow Shariah guidelines, understanding basic Islamic finance concepts.
• Participate in client education sessions about Shariah-compliant financial practices
• Ensure financing activities align with the institution’s policies and regulatory requirements.
• Identify risks associated with agricultural lending, such as climate-related risks, price fluctuations, and disease outbreaks in livestock.
• Risk mitigation strategies for agricultural and livestock financing are recommended.

Market Analysis & Business Development:

• Conduct market research to identify financing needs and growth opportunities in the agricultural and livestock sectors.
• Collaborate with local stakeholders, including cooperatives, suppliers, and government agencies, to support rural financial inclusion.

Overdue Follow up and delinquency management

• Monitor and follow up on overdue customers to ensure timely financing repayments.
• Communicate with delinquent clients to understand repayment challenges and provide possible solutions.
• Work closely with the recovery team to develop repayment plans for overdue clients.
• Conduct field visits to meet overdue customers, guarantors, and collateral owners to assess their financial situation and inform them of their obligations regarding repayment.
• Report and escalate cases of persistent non-payment to the legal or recovery team for further action.
• Conduct quarterly visits for all portfolios.
• Any other responsibilities as assigned by the direct manager. 

Job Requirements

Education & Experience:

• Bachelor’s degree in economics, business administration, or a related field.
• At least 2 years of experience in microfinance, banking, or financing analysis, preferably in agriculture or livestock financing.

Language Skills:

• Fluency in Pashto and Dari is required to effectively communicate with rural clients.
• Proficiency in English is necessary for reporting and coordination with institutional partners.

Technical Skills:

• Strong knowledge of agricultural finance principles, rural financing risk assessment, and financing structuring.
• Familiarity with microfinance financing models.
• Proficiency in Microsoft Office and financial software.

Soft Skills:

• Strong analytical, problem-solving, and decision-making skills.
• Excellent communication and negotiation abilities.
• The ability to work in rural environments and travel to remote areas.
• High ethical standards and commitment to financial inclusion.

Submission Guideline

All candidates shall submit their CVs to this email address ( Vacancies@adf-af.org )and mention the position & vacancy number in their email subject line as obligatory. Those candidates who do not mention about the position and vacancy number as required (Financing Officer – Vacancy # HASSEL-12) in their email subject line will not be considered for shortlisting purposes.

Functional Area

Business Administration

Accounting/Finance

Countries

Afghanistan

Provinces

Kabul

Paktya

Herat

Submission Email

Vacancies@adf-af.org

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