Sharia Review Officer (Re Announced)

Job Summary

• 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

Job Requirements

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