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 Internal Audit Manager will provide independent and objective assurance on the effectiveness of the organization’s governance, risk management, internal controls, and operational processes. The position will assess compliance with applicable regulatory requirements, internal policies, and procedures, with particular focus on the organization’s Electronic Money Institution (EMI) operations.

Key Responsibilities

•  Risk Management Framework – Develop, implement, and maintain the EMI’s risk management framework and policies.
• Risk Monitoring – Establish risk indicators, limits, thresholds, and monitoring mechanisms.
• Agent Risk – Assess and monitor risks associated with agents, including liquidity, operational, fraud, and compliance risks.
• Liquidity & Financial Risk – Monitor liquidity, settlement, safeguarding/float, and financial risks in coordination with Finance.
• Business Continuity – Coordinate risk assessments for business continuity, disaster recovery, and operational resilience.
• Regulatory Risk – Monitor material regulatory risks and coordinate with Compliance to ensure applicable DAB requirements are addressed.
• Risk Mitigation & Follow-Up – Develop risk treatment plans, assign responsibilities, and monitor corrective actions.
• Risk Reporting – Prepare regular risk reports, dashboards, and alerts for senior management and the Board.
• Fraud Risk – Identify fraud risks, monitor fraud indicators, and coordinate preventive and corrective measures.
• Technology & Cyber Risk – Monitor technology, cybersecurity, data, system availability, and third-party technology risks.
• Operational Risk – Identify operational weaknesses, system failures, process risks, and service disruptions and recommend mitigation measures.
• Risk Identification & Assessment – Identify, assess, and monitor operational, financial, liquidity, technology, cyber, fraud, compliance, and other material risks.
• Any other responsibility being assigned by the line manager.

Job Requirements

Required Qualifications and Experience

• Bachelor’s degree in Economics, Business Administration, Management and Master’s Degree or special Certifications in Risk Management is most preferable
• Educational qualifications must be obtained from a recognized institution and officially recognized or verified by the Ministry of Higher Education of Afghanistan. Foreign academic qualifications must be supported by an equivalency certificate issued by the Ministry of Higher Education.
  • Minimum three (3) years of relevant professional experience in banking sector or a related field.
  • Experience in enterprise risk management, operational risk, fraud risk, or financial risk is highly desirable.
  • Strong knowledge of risk management frameworks, internal controls, and regulatory requirements.
  • 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: Risk Manager – 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