About the Company

BarakatPay is an emerging Electronic Money Institution (EMI) project committed to providing secure, innovative, and accessible digital financial services throughout Afghanistan. The Company is dedicated to promoting financial inclusion while maintaining the highest standards of financial management, corporate governance, regulatory compliance, operational excellence, and customer protection.

Job Summary

BarakatPay is an Electronic Money Institution (EMI) project being established in Afghanistan to provide secure, reliable, and innovative digital financial services. The Company is committed to operating in accordance with applicable laws, regulations, and sound financial and corporate governance practices.

The Head of Operations will be responsible for overseeing and managing the day-to-day operations of the Electronic Money Institution (EMI), ensuring efficient, secure, customer-focused, and compliant delivery of electronic money services.

Key Responsibilities

•      Manage and supervise the day-to-day operational activities of the EMI.·         Establish operational procedures, workflows, and service standards.·         Ensure that customer transactions are processed accurately, securely, and within approved service standards.·         Ensure proper processing of cash-in, cash-out, transfers, payments, refunds, reversals, and other permitted transactions.·         Oversee the operational management of EMI agents.·         Coordinate agent onboarding, training, activation, monitoring, suspension, and termination with relevant departments.·         Monitor agent liquidity/float availability and operational performance.·          Establish effective maker-checker and segregation-of-duty controls.·         Investigate operational discrepancies and ensure timely resolution.·         Oversee operational aspects of customer support and complaint handling.·         Monitor recurring complaints and identify operational weaknesses requiring corrective action.·         Ensure operational procedures are properly documented and communicated to employees and agents.·         Monitor operational incidents, transaction errors, fraud indicators, and control failures.·         Coordinate with Compliance, Risk, IT, Internal Audit, and Finance where an incident crosses departmental responsibility.
• ·         Any other responsibility being assigned by the line manager.
• ·         Ensure incidents are documented, investigated, escalated, and resolved.
• ·         Identify operational control gaps and recommend improvements.
• ·         Develop, review, and update Operations policies, SOPs, manuals, workflows, and service standards.
• ·         Ensure customer complaints are recorded, investigated, escalated, and resolved within approved timelines.
• ·         Coordinate with Finance on settlement, float, suspense items, and reconciliation issues.
• ·         Ensure daily operational reconciliation between transaction records, customer balances, agent balances, settlement accounts, and relevant financial records.
• ·         Coordinate with Compliance regarding agent risk, AML/CFT requirements, and regulatory concerns.
• ·         Ensure agent records are complete and maintained in the Agent Register.
• ·         Ensure agents operate only within their approved authority and permitted services.
• ·         Monitor failed, rejected, delayed, duplicated, or unusual operational transactions and coordinate their resolution.
• ·         Supervise account/wallet opening, activation, suspension, closure, and related operational processes.
• ·         Monitor operational performance and resolve operational issues promptly.
• ·         Ensure smooth delivery of electronic money, wallet, payment, cash-in/cash-out, transfer, and other approved services.

Job Requirements

Required Qualifications and Experience

• Bachelor’s degree in Business Administration, Finance, Economics, Management, or a related field and Master’s degree will be     preferred.
  • Minimum 3 years of relevant experience, preferably in electronic money, banking, payment services, or financial institutions.
  •  Previous experience in a managerial or supervisory position is required.
  • Strong knowledge of electronic money operations, agent management, customer service, and operational risk.
  • Knowledge of KYC, AML/CFT, fraud prevention, and regulatory compliance is an advantage.
  • Strong leadership, communication, analytical, and problem-solving skills.
  • High level of integrity, accountability, and professionalism.
• Strong analytical, reporting, communication, and problem-solving skills.
• Good written and spoken English.
  • Strong communication skills in Dari and/or Pashto.

Submission Guideline

Interested candidates are requested to submit the following documents:

1. Updated Curriculum Vitae (CV)
2. Copy of National ID (Tazkira/e-Tazkira) or Passport
3. Educational Certificates and Degrees
4. Recent Passport-size Photograph
5. Relevant Professional Certificates (if available)
6. Employment References (if available)

Applications should be submitted to:

Email: careers@barakatpay.af

Email Subject: Head Operation– Application

For further information regarding this vacancy, applicants may contact us via WhatsApp.

WhatsApp: +93 (0)700319789

Applications must be submitted through the above email address. For additional information or inquiries regarding this vacancy, applicants may contact us via WhatsApp.

Only shortlisted candidates will be contacted for further assessment and interview.

Email / Application Form: careers@barakatpay.af