Finance Manager

Responsible for overseeing all financial activities of the organization, including budgeting, forecasting, financial reporting, cash flow management, and internal controls. Develops and implements financial strategies to support business growth and profitability. Ensures full compliance with local and international financial reporting standards, tax regulations, and company policies. Manages relationships with banks, auditors, and regulatory bodies. Prepares and presents accurate and timely financial statements, management reports, and performance analyses to senior leadership. Leads, mentors, and develops the finance team, fostering a culture of accountability and continuous improvement. Identifies and mitigates financial risks while driving cost optimization and efficiency across all operations. Coordinates with internal departments and external stakeholders to ensure seamless financial operations and strategic alignment.

• Develop and implement financial strategies aligned with organizational goals and growth objectives for E& Money and retail operations.
• Oversee the preparation and management of annual budgets, forecasts, and financial plans for all business streams.
• Monitor financial performance against budget, identify variances, and implement corrective actions.
• Manage cash flow, liquidity, and working capital to ensure financial stability and operational readiness across all channels.
• Prepare and present accurate monthly, quarterly, and annual financial statements and management reports.
• Ensure compliance with International Financial Reporting Standards (IFRS), DAB regulations, ATRA requirements, and local tax laws.
• Oversee financial reconciliation of e& money transactions, including cash in/out, domestic and international transfers, merchant payments, and bill payments.
• Monitor agent liquidity and ensure adequate float management across the e& money agent network.
• Manage commission and incentive calculations and disbursements for agents, merchants, distributors, and franchise partners.
• Ensure accurate tracking and reporting of transaction volumes, revenue, and fee structures for all e& money services.
• Develop and implement financial controls to prevent fraud, money laundering, and unauthorized transactions in alignment with AML/CFT policies.
• Oversee financial management of SIM card retail shops, franchises, and mini-franchises across the assigned region.
• Monitor inventory and stock levels of SIM cards, recharge products (Scratch Cards, E-Top Up), and related materials across the retail network.
• Manage revenue reconciliation from SIM sales, registration, activation, recharge, and data/voice bundle sales.
• Ensure accurate financial documentation and record-keeping across all franchised and mini-franchised outlets.
• Oversee the financial aspects of partner onboarding and contract management for distributors, retailers, dealers, and franchise partners.
• Ensure compliance with Da Afghanistan Bank (DAB) regulations for E& Money services.
• Ensure compliance with Afghanistan Telecommunications Regulatory Authority (ATRA) regulations for SIM registration and telecommunications operations.
• Develop, implement, and enforce robust internal controls, financial policies, and risk management frameworks.
• Identify, assess, and manage financial risks related to currency, credit, operations, and investments.
• Manage relationships with external auditors, tax authorities, banks, and regulatory bodies.
• Oversee AML/CFT compliance, KYC verification, and anti-fraud measures across all financial operations.
• Lead and mentor the finance team, setting clear KPIs and fostering a culture of excellence and accountability.
• Coordinate with program, sales, and operational teams to ensure integrated financial management across the organization.
• Support reporting for donor-funded projects and compliance as applicable.
• Drive continuous improvement of financial systems, processes, and reporting tools (e.g., ERP systems, Excel, Power BI).
• Provide strategic financial insights and recommendations to senior management and the executive team.
• Ensure accurate documentation, record keeping, and audit trail for all financial transactions.
• Represent the organization in financial meetings, negotiations, and official engagements with stakeholders.
• Maintain and manage financial records using QuickBooks, ensuring accurate data entry, reconciliations, and reporting.

The ideal candidate should meet the following requirements:

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related field. (Master's degree or professional certification such as ACCA, CPA, CMA is an advantage.)
• Minimum 5–10 years of progressive experience in financial management, accounting, or auditing, preferably in the telecommunications, mobile financial services (MFS), e& money, FinTech, or banking sectors.
• At least 3 years in a managerial or supervisory role with responsibility for financial planning, reporting, and team leadership.
• Proven experience in financial management of agent networks, mobile money operations, and retail sales channels.
• Strong knowledge of IFRS, local tax laws, DAB regulations, AML/CFT requirements, and telecom regulatory compliance (ATRA).
• Demonstrated success in developing and implementing internal controls, policies, and risk management frameworks.
• Proficiency in QuickBooks for financial record keeping, data entry, reconciliations, and reporting.
• Proficiency in MS Office, especially advanced Excel; experience with ERP systems (e.g., Microsoft Dynamics, Oracle, SAP) and financial reporting tools (e.g., Power BI) is highly preferred.
• Experience in managing external audits and donor reporting is an advantage.
• Strong leadership, analytical, communication, and negotiation skills.
• Ability to work under pressure, manage multiple deadlines, and coordinate effectively with internal teams, external partners, and regulatory bodies.
• Strong command of English, both written and verbal; knowledge of Dari and/or Pashto is an advantage.
• Experience with Etisalat Afghanistan, e& Afghanistan, or other telecommunications and mobile financial service providers is highly preferred.

Qualifications

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related field. (Master's degree or professional accounting certification such as ACCA, CPA, CMA, CIMA is an advantage.)
• 5–10 years of relevant experience in financial management, accounting, or auditing, with at least 3 years in a managerial role.
• Proven track record in financial planning, budgeting, reporting, and internal controls.
• Strong expertise in IFRS, tax compliance, DAB regulations, AML/CFT requirements, and risk management.
• In-depth knowledge of financial operations for mobile money services, agent networks, retail franchising, and telecom distribution.
• Proficiency in QuickBooks for financial record management and reporting.
• Proficiency in MS Office, especially advanced Excel; ERP system experience is a plus.
• Excellent leadership, analytical, problem-solving, and communication abilities.
• Strong command of English; Dari and/or Pashto proficiency is an advantage.
• Ability to work independently, meet strict deadlines, and manage multiple deliverables.

Interested and qualified candidates who meet the above requirements are invited to submit their applications via email to [email protected].

Your application must include:

• Your updated CV (in English)

• A cover letter

• Copies of relevant educational and experience certificates

Important: Clearly mention the position title "Finance Manager" and the reference number "SC-FM-2026-04" in the subject line of your email.

Applications that do not meet the minimum qualification requirements will not be considered. Only shortlisted candidates will be contacted for the next stage of the recruitment process.