Ghazanfar Bank, a full-fledged licensed commercial Bank, commenced its operations in March 2009. The Share Holders of the Bank belongs to one of the leading business groups of Afghanistan. As a leading business house Ghazanfar Group is involved in various key businesses sectors as a front runner such as import and distribution of Petroleum/Gas and other various important industrial sectors. Ghazanfar Bank started its operation in Kabul, Afghanistan, and is offering key financial services both under conventional and Islamic Banking. The Bank has since opened up its Branches at various key locations such as Mazar Sharif, Hairatan, Nayeb Abad Branch, Kunduz, Takhar, Pule- Khumri, Jalalabad, Herat, Kandahar, Faryab besides opening another Nine branches at Kabul in Sarai Shahzada, Shar-e-Naw, Karte Naw, Kote Sangi, Lase Maryam, Karte Char, Kabul Airport Branch and Wazir Akbar Khan. In due course of time, the Bank intends to expand its Branch Network in Kabul as well as at other key locations of the Country.

1. Shariah Research & Advisory

• Conduct detailed Shariah research on Islamic financial products, contracts, and transactions.
• Prepare Shariah opinions, research papers, and briefing notes for internal stakeholders and the Shariah Board.
• Analyse classical Fiqh sources (Qur’an, Sunnah, Ijma’, Qiyas) and contemporary scholarly opinions related to Islamic finance.
• Must be familiar with Hanafi Jurisprudence
• Support interpretation and application of Hanafi Jurisprudence and AAOIFI Shari’ah Standards to banking products and operations.
• Support business and product teams in structuring new Islamic banking products.
• Review proposed product concepts and provide Shariah research input.
• Benchmark Islamic financial products with regional and international best practices.
• Benchmark Islamic financial products with regional and international best practices.
• Advise the Sharia Head on emerging Sharia issues affecting the banking industry.
• Ensure proper documentation and traceability of Sharia opinions.
• Support Sharia Review Officers with jurisprudential input.
• Provide Sharia interpretation during audits, inspections, and internal reviews.
• Assist in preparing Sharia training materials and internal guidance notes.
• Support Sharia awareness programs for staff.
• Promote consistent understanding of Islamic finance principles across the Bank.

2. Product & Documentation Support

• Assist in the Shariah structuring and review of Islamic banking products (e.g., Murabaha, Ijarah, Musharakah, Mudarabah, Wakalah, and Kafalah).
• Review contracts, agreements, policies, SOPs, and manuals to ensure Shariah compliance.
• Identify Shariah non-compliance issues and propose corrective measures.

3. Shariah Governance & Compliance

• Support the implementation of the National Shariah Governance Framework (NSGF) as issued by DAB.
• Assist in preparation of documents for Shariah Board meetings, including agendas, working papers, and resolutions.
• Maintain proper documentation of Shariah decisions, rulings, and references.

4. Regulatory & Standards Alignment

• Ensure ongoing alignment with:
  • DAB Islamic Banking Regulations
  • DAB Shariah Governance Framework
  • Hanafi Jurisprudence
  • AAOIFI Shari’ah Standards
• Assist in responding to regulatory observations, inspections, and Shariah audit/review findings.

5. Capacity Building & Knowledge Support

• Support internal training programs on Islamic banking and Shariah compliance.
• Develop research notes, FAQs, and guidance materials for bank staff.
• Keep up-to-date of new Shariah standards, regulatory updates, and emerging Islamic finance practices.

Key Deliverables

• Shariah research papers and opinions
• Shariah-compliant product structures and documentation
• Shariah Board working papers and meeting support

Compliance notes and corrective action recommendations

Educational Qualifications

• Bachelor’s degree in Shariah /Islamic Studies / Fiqh al-Muʿāmalāt/Islamic Finance
  Master’s degree preferred
• Professional certifications (preferred):
  • AAOIFI CSAA / CIPA
  • Other recognized Islamic finance qualifications

Experience

• 1–3 years of relevant experience in:
  • Shariah research
  • Islamic banking
  • Shariah compliance or Shariah audit
• Practical exposure to Islamic banking products and documentation is an advantage.

Skills & Competencies

• Strong Shariah research skill
• Strong knowledge of Fiqh al-Muʿāmalāt
• Familiarity with Hanafi Jurisprudence and AAOIFI Shari’ah Standards
• Understanding of DAB Islamic Banking & Shariah Governance regulations
• Research, analytical, and writing skills
• Ability to draft clear Shariah opinions and reports
• Good communication and coordination skills
• Proficiency in national languages (Dari and Pashtu), Arabic (for classical texts) is highly desirable
• Ability to work independently and meet deadlines

Code of Ethics & Confidentiality

• Maintain independence, integrity, and objectivity in Shariah research.
• Ensure confidentiality of all Shariah Board discussions and bank information.

Adhere strictly to ethical standards prescribed under Shariah governance frameworks

Applicants who meet the above requirements should submit their updated Curriculum vitae (CV)/Resume to (sr.recruitment-officer@ghazanfarbank.com)

Please Mention specific Job Title in subject of your E-mail otherwise your Email will not be considered.

Note only shortlisted candidates will be contacted for further recruitment process.

Submission E-mail

(sr.recruitment-officer@ghazanfarbank.com)