e& Afghanistan is part of e&, a global technology and telecommunications group headquartered in the United Arab Emirates. As one of the leading telecom operators in the region, e& serves millions of customers across the Middle East, Africa, and Asia through its innovative digital and connectivity solutions. In Afghanistan, the company plays an important role in advancing telecommunications services while investing in the growth of local talent. e& Afghanistan is committed to creating opportunities for Afghan professionals through training, skills development, and career advancement, helping build a strong and capable national workforce.

Job Summary

• Recruiter: e& Afghanistan
• Degree: Bachelor's Degree
• Vacancies Number: 1
• Province: Both
• Gender: Kabul
• Experience:⁦ 5+ years
• Deadline: ⁦⁦27 Oct, 2026⁩

Key responsibilities of Head of Risk:

1. Enterprise Risk Framework, Policy & Governance:

• ERM Framework & Policy Review: Develop, maintain, and periodically review the Enterprise Risk Management (ERM) framework, Risk Management Policy, Risk Appetite Framework, Operational Risk Procedures, Incident Reporting Procedures, and risk assessment methodologies.
• Risk Appetite & Limits: Recommend risk appetite, tolerances, and limits for approval by governance authorities, ensuring regular policy updates and approvals.
• Executive & Board Reporting: Prepare monthly and quarterly risk reports for the Board of Management (BOM) and Board of Supervisors (BOS) covering significant exposures, Key Risk Indicator (KRI) breaches, loss events, and mitigation plans.
• Risk Escalation & Governance Support: Promptly escalate critical risks, control failures, and limit breaches to executive management and Board committees, maintaining direct access to relevant Board committees.

2. Financial, Operational & Third-Party Risk Oversight:

• Comprehensive Risk Identification: Identify and assess operational, financial, strategic, technology, compliance, fraud, reputational, liquidity, and resilience risks across Etisalat Money.
• Risk Register & KRI Monitoring: Maintain central risk registers, monitor KRIs, track emerging risk trends, and manage overdue corrective actions.
• Financial & Liquidity Protection: Independently monitor customer-fund safeguarding, fund adequacy for outstanding e-money, partner bank concentration risks, and agent/distributor liquidity.
• Operational & Transaction Vulnerabilities: Assess transaction processing vulnerabilities (failed, pending, duplicate, or misprocessed transactions) and track incident root causes and loss records.
• New Products & Third-Party Risk: Coordinate risk evaluations prior to launching new products, services, integrations, or system changes, and evaluate risks associated with agents, merchants, vendors, and outsourced providers.

3. Cyber Resilience, Regulatory Compliance & Fraud Prevention:

• Technology & Cyber Resilience: Monitor cyber incidents, challenge incident response/recovery measures, and evaluate operational resilience, business continuity (BCP), and disaster recovery (DR) arrangements.
• Regulatory & AML/CFT Alignment: Coordinate with Compliance on Da Afghanistan Bank (DAB) requirements, integrate AML/CFT risks into the ERM framework, and support regulatory reporting.
• Fraud Prevention & Internal Controls: Assess fraud risks across wallets, payments, and internal workflows, while collaborating with Internal Audit and Compliance on high-risk findings to ensure independent oversight.
• Risk Culture & Second-Line Challenge: Provide independent monitoring and effective challenge across all business units while conducting risk awareness sessions to build a strong risk culture.

Job Requirment

• Educational Qualifications: Bachelor’s Degree Degree in Finance, Economics, Accounting, Business Administration, Risk Management, or a related field.
• Preferred Education: A Master’s Degree is considered a distinct advantage.
• Experience: Minimum of 5 years of relevant professional experience in risk management, banking, electronic money institutions (EMIs), financial services, compliance, or internal controls.
• At least 2 years of experience in a supervisory or managerial capacity is preferred.

Professional Certifications (Preferred):

• Financial Risk Manager (FRM), Certified Anti-Money Laundering Specialist (CAMS), Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), or other relevant credentials.

Technical Competencies:

• Comprehensive expertise in Enterprise Risk Management (ERM), Operational Risk Assessment, Internal Controls, Regulatory Compliance, Fraud Risk Analysis, Data Analysis & Reporting, Risk Reporting Frameworks, and Microsoft Office Suite.

Professional & Soft Skills:

• Analytical & Technical Skills: Strong analytical, investigative, data analysis, and reporting capabilities.
• Leadership & Stakeholder Management: Excellent coordination, stakeholder management, and negotiation skills to interact with diverse clients and partners.
• Work Ethic & Self-Management: Self-motivated, flexible, and capable of working independently with minimal supervision while managing multiple concurrent tasks.
• Stress Management & Delivery: Ability to perform effectively under pressure and meet strict deadlines promptly.

Language Requirements:

• Fluency in English, Dari, and Pashto.

Submission Guideline

To apply for this vacancy, please visit and use the following application link:

• Apply Link: https://careers.eand.af/JobsDetail.aspx?id=42100017&expiryDate=2026-10-27
• e& Afghanistan Careers: https://careers.eand.af/

 

Country

Afghanistan

City

Kabul

Submission Email

careers@etisalat.af

Related Jobs