Chief Sharia Officer

Position Title: Chief Sharia Officer

2025-03-06 Kabul Full Time 8

Job Location:	Kabul
Nationality:	National/International (any)
Category:	Banking
Employment Type:	Full Time
Salary:	As per Bank Salary Scale
Vacancy Number:	BMA//2025//09
No. Of Jobs:	1
City:	Kabul

Organization:	Bank-e-Millie Afghan (BMA)
Years of Experience:	Strong knowledge of Shariah & law or Fiqh ul Muamalat or experience of at least 5 years giving religious rulings or at least 3 years’ experience in Islamic Banking operation.
Contract Duration:	Permanent
Gender:	Male
Education:	At least have bachelor's degree in Sharia, principles of jurisprudence, or jurisprudence of transactions
Close date:	2025-03-06

About Bank-e-Millie Afghan (BMA):

Bank-e-Millie Afghan (BMA) is the foremost first financial institution of Afghanistan established in 1933. Similarly, it was the first financial institution established in a public-private partnership set up with a 72% share held by the private sector. As the first bank in the country, BMA introduced formal banking services to the people and government of Afghanistan. Since then, the bank’s competitive strength and ongoing market leadership philosophy lays in its strong capital base and proven trustworthiness. In 1976, it was fully nationalized by the government of Afghanistan. Since its establishment, BMA has been a leading bank in providing modern and secure banking services. Securing depositors' funds is the top priority of the bank. At the same time, the bank is contributing considerably to the development of manufacturing, agriculture, services, and international trade in the country. BMA is operating based on strong corporate governance principles, financial risk management, and strict compliance to keep its credibility and trust. At present, BMA has 17 City Branches including the HQ and 4 Counters in Kabul, 22 Provincial Branches and 3 Counters accompanied by a broader outlook and prospect for growth and expansion in near future, and equity investments in the USA and England.

Job Descriptions:

The Bank’s Shariah Department will be responsible for conducting ground works on all Shariah-related matters of the Islamic business activities of the Bank.
Sharia Department is responsible for reviewing the policies, procedures, manual, contracts/agreements and products developed by all departments.
Sharia Department is responsible for developing the policies, procedures and manuals related to Sharia.
Sharia Department is responsible for taking the approval of policies, procedures, manuals, products etc. from Sharia Board of the Bank-e-Millie and SSB of DAB if required
Sharia Department will conduct research on Shariah issues and ensuring that all structures, terms and conditions, legal documentation and operational process flow and procedures are Shariah compliant.
The Sharia Department (Shariah Review Unit) will provide regular assessment on Shariah compliance in the activities and operations of the Bank with the objective of ensuring that the activities and operations carried out by the Bank does not contravene Shariah principles.
Sharia Department will provide advisory support to the Management in relation to the Bank’s Shariah compliant operations in accordance to decisions and rulings issued by the Bank’s Shariah Board.
To review Credit proposals on pre-disbursement and post disbursement basis.
Sharia Department will provide continuous assessment from the local laws and regulatory purview of the Shariah Compliant activities to ensure compliance at the regulatory level and inform the Management Board immediately in situation where there may be a conflict between the Shariah and regulatory laws to avoid regulatory sanctions.
Sharia Department will identify all possible Shariah non-compliance risks and, where appropriate, remedial measures that need to be taken to reduce the risks and a continuous Shariah Audit of processes and deliverables, as well as determining that such processes and outcomes satisfy the needs of the Shariah.
Sharia Department will undertake periodical assessment to provide an independent assessment and objective assurance designed to add value and improve the degree of compliance of the Bank’s business operations.
The Shariah Secretariat Unit under The Shariah Review Unit with its responsibilities include coordinating meetings, compiling proposal papers, disseminating Shariah decisions to stakeholders and engaging with relevant parties who wish to seek further deliberations of issues from the Shariah Board.
Perform any other duties as may be assigned from time to time

Job Requirements:

Experience

• Strong knowledge of Shariah & law or Fiqh ul Muamalat or experience of at least 5 years giving religious rulings or at least 3 years’ experience in Islamic Banking operation.

Knowledge-Skills-Abilities:

Bachelor's degree in Sharia, principles of jurisprudence, or jurisprudence of transactions.
Shariah Expert or Auditor certification (CSAA) by Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) is preferred.
Professional training or certificates in Islamic banking related field a plus
Adequate understanding of the detailed responsibilities of the Sharia Department as well as the bank's business, operations and risks;
Proficiency in local languages and English, both oral and written
Excellent communication skills;

Track Record:

• The Shariah Chief Officer must have an faultless track record in the companies he/she has served either in the capacity of an employee or director/chief executive or as chairman.

• Has not given any wrong fatwa’s on Islamic Finance transactions.

• Has not been associated with any illegal activity especially relating to banking business.

• Has not been convicted any criminal offence, involved in any fraud/forgery, financial crime etc.

• Has not been disqualified by DAB or court.

Submission Guidelines:

Qualified and interested applicants should apply online to vacancies@bma.com.af or submit their CVs and applications to the BMA’s HRM department in Kabul (Bank-e-Millie Afghan (BMA), Head Office, Ibne-Sina Watt) or to any of the BMA’s city and provincial branch before the closing date.

When applying, please clearly mention vacancy name and number in subject line of your email and/or papers and only shortlisted candidates will be contacted.

Note: Note: Applications will not be considered without mentoning entire email address (info.ibfd@dab.gov.af / info.bsd@dab.gov.af) in CC of thier email while appling for the position.