Sharia Review Officer (Re Announced)

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.

• Conduct regular and ad-hoc Sharia reviews of banking products, financing operations, treasury activities, deposits, and service offerings.
• Review contracts, agreements, procedures, and marketing materials for Sharia compliance.
• Verify implementation of Sharia Board fatwas, resolutions, and instructions.
• Perform Sharia reviews on selected transactions and product processes.
• Identify Sharia non-compliance issues and assess their impact.
• Recommend corrective and preventive measures.
• Support the development and enhancement of Sharia review methodologies, programs, and checklists.
• Ensure proper documentation of Sharia review work and findings.
• Support integration of Sharia controls into business processes.
• Prepare periodic Sharia review reports for the Sharia Head and Sharia Board.
• Track implementation of corrective actions and follow up on outstanding issues.
• Escalate material Sharia non-compliance matters promptly.
• Coordinate with Internal Audit, Compliance, and Risk Management on Sharia-related matters.
• Support joint reviews where Sharia risk overlaps with operational or compliance risk.
• Provide Sharia input during audits, inspections, and regulatory reviews.
• Support business units during product development and process changes.
• Provide Sharia review input before new products or services are launched.
• Review system configurations affecting Sharia-based products.
• Support Sharia awareness initiatives and staff training programs.
• Assist in preparing Sharia guidelines and reference materials.
• Promote a strong Sharia compliance culture across the Bank

Education

• Bachelor’s degree in Sharia, Islamic Jurisprudence, Islamic Banking & Finance, or related field

• Master’s degree in Islamic Finance or Sharia is a strong advantage

• AAOIFI CSAA/ CIPA will be preferred

Experience

• Minimum 1–3 years of experience in Islamic banking, Sharia review, or Sharia audit

• Practical knowledge of Islamic banking products, contracts, and structures

• Experience working with Sharia Boards and control functions is preferred

Skills & Competencies

• Strong knowledge of Fiqh-ul-Muamalat and Islamic finance principles

• Understanding of banking operations and financial products

• Strong analytical and documentation skills

• High ethical standards and professional integrity

• Ability to work independently and objectively

• Good communication and reporting skills

Performance Evaluation

Performance will be evaluated based on:

• Quality and effectiveness of Sharia reviews

• Timeliness and clarity of reports

• Reduction of Sharia non-compliance issues

• Implementation rate of corrective actions

• Contribution to strengthening Sharia governance

Professional & Ethical Standards

The Sharia Review Officer shall:

• Maintain strict confidentiality

• Avoid conflicts of interest

• Act with independence and objectivity

• Comply with Sharia governance framework and bank policies