Chief Operating Officer (COO)

HamrahPay is an Electronic Money Payment Services (EMI) committed to delivering secure, reliable, and innovative electronic money and payment services. The organization is focused on maintaining strong financial governance, regulatory compliance, operational reliability, and sustainable business growth while providing trusted financial services to its customers and partners.

HamrahPay is seeking an experienced and strategic Chief Operating Officer (COO) to lead day-to-day operations and ensure the secure, compliant, efficient, and scalable delivery of its electronic money and digital payment services.

The COO will translate business strategy into operational execution, strengthen governance and internal controls, drive operational efficiency, and oversee payment operations, agent and merchant networks, customer service, risk management, regulatory compliance, business continuity, and operational performance.

• • Bachelor’s degree in Business Administration, Finance, Economics, Management, or a related field; Master’s degree or MBA is preferred.

  • Minimum 5 years of progressive professional experience, including substantial experience in senior operational or management roles, with demonstrated responsibility for leading teams and driving operational performance.

  • Demonstrated experience in FinTech, electronic money institutions, digital payments, banking, mobile money, telecom, or financial services.

  • Strong understanding of payment operations, digital financial services, transaction processing, settlement, reconciliation, operational controls, and service delivery.

  • Practical knowledge of regulatory compliance, risk management, KYC/AML requirements, fraud controls, and internal control frameworks within financial and payment services.

  • Strong practical understanding of settlement operations, transaction reconciliation, transaction monitoring, dispute management, chargeback handling, and fraud prevention and control mechanisms within payment or financial services environments.

  • Experience overseeing payment settlement cycles, reconciliation processes, transaction exception management, and operational dispute resolution is highly desirable.

  • Proven ability to lead multidisciplinary teams and manage cross-functional operations, with a strong focus on achieving organizational objectives.

  • Experience overseeing agent and merchant networks, payment platforms, wallet operations, or digital financial service ecosystems is highly desirable.

  • Strong capabilities in process optimization, service-quality improvement, incident management, and business continuity.

  • Excellent leadership, strategic thinking, decision-making, communication, negotiation, and problem-solving skills.

  • Demonstrated integrity, accountability, confidentiality, and professionalism, with a strong commitment to operational excellence.

Interested candidates are requested to submit the following:

• Updated CV
• Cover Letter
• Academic certificates
• Professional certificates, if applicable

Applications should be submitted through the designated application channel before the stated deadline.

Only shortlisted candidates will be contacted.

Final recruitment criteria will be aligned with applicable DAB fit-and-proper, qualification, experience, and approval requirements.