Risk Manager

2026-08-26 Kabul Full Time 3

Job Location:	Kabul
Nationality:	National
Category:	Banking
Employment Type:	Full Time
Salary:	12,000 AFN- 15,000 AFN Monthly
Vacancy Number:	Barakatpay-007
No. Of Jobs:	1
City:	Kabul

Organization:	Afghan Barakat Financial Services Company (Barakat Pay)
Years of Experience:	5
Contract Duration:
Gender:	Male/Female
Education:	Bachelor and Master's Degree will be preferred
Close date:	2026-08-26

About Afghan Barakat Financial Services Company (Barakat Pay):

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 Descriptions:

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 Risk Manager will be responsible for identifying, assessing, monitoring, and managing financial, operational, compliance, fraud, and other risks associated with the organization's Electronic Money Institution (EMI) operations. The position will ensure effective risk management frameworks and controls are in place and aligned with regulatory and organizational requirements.

Key Responsibilities

Risk Management Framework – Develop, implement, and maintain the EMI’s risk management framework and policies.

·         Risk Identification & Assessment – Identify, assess, and monitor operational, financial, liquidity, technology, cyber, fraud, compliance, and other material risks.

·         Risk Monitoring – Establish risk indicators, limits, thresholds, and monitoring mechanisms.

·         Operational Risk – Identify operational weaknesses, system failures, process risks, and service disruptions and recommend mitigation measures.

·         Agent Risk – Assess and monitor risks associated with agents, including liquidity, operational, fraud, and compliance risks.

·         Technology & Cyber Risk – Monitor technology, cybersecurity, data, system availability, and third-party technology risks.

·         Liquidity & Financial Risk – Monitor liquidity, settlement, safeguarding/float, and financial risks in coordination with Finance.

·         Fraud Risk – Identify fraud risks, monitor fraud indicators, and coordinate preventive and corrective measures.

·         Business Continuity – Coordinate risk assessments for business continuity, disaster recovery, and operational resilience.

·         Risk Reporting – Prepare regular risk reports, dashboards, and alerts for senior management and the Board.

·         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.
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 Guidelines:

Interested candidates are requested to submit the following documents:

Updated Curriculum Vitae (CV)
Copy of National ID (Tazkira/e-Tazkira) or Passport
Educational Certificates and Degrees
Recent Passport-size Photograph
Relevant Professional Certificates (if available)
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.