About SadaPay

SadaPay is transforming financial services in Pakistan with a digital-first experience that makes managing money simple, transparent, and hassle-free. With over three-quarters of the population still unbanked, we believe financial services need a radical shift. With SadaPay, all you need is a CNIC, a phone number, and a smartphone to get started; no paperwork, no long waits. Our 3 Million+ users have left behind their worst banking frustrations, no hidden fees, free local transfers, and a payment experience that’s actually enjoyable. Pair that with friendly customer service and a vibrant debit card, and suddenly, finance doesn’t just work, it feels fun! 🚀

Why is this role important?

The Head of Internal Audit at SadaPay is a strategic leadership role responsible for developing and managing a risk-based internal audit plan. This role ensures compliance with SadaPay’s internal audit charter and both local and international auditing standards, specifically within the context of the Pakistani banking and fintech sectors. The position requires a deep understanding of the State Bank of Pakistan (SBP) regulations and maintaining strong relationships with the regulator.

As a Sadanaut you will:

• Audit Planning & Strategy
  Develop and own a dynamic, risk-based internal audit plan, adjusting continuously based on evolving business risks, operational changes, and regulatory developments. Report directly to the Audit Committee and provide ongoing updates to senior management on audit progress, emerging risks, and key findings.
• Regulatory Compliance & Relations
  Ensure organization-wide compliance with SadaPay's internal policies, SBP regulations, and all applicable laws. Build and maintain strong, proactive relationships with the State Bank of Pakistan and other regulatory bodies to facilitate smooth audits, inspections, and regulatory correspondence.
• Risk Management & Internal Controls
  Conduct comprehensive risk assessments to identify significant control weaknesses, compliance gaps, and operational vulnerabilities. Translate findings into clear, actionable recommendations that improve operational efficiency, strengthen controls, and meaningfully reduce risk exposure across the organization.
• Audit Execution & Oversight
  Lead the internal audit team in planning and executing thorough, well-documented audits. Ensure timely follow-up on all findings and management action plans. Coordinate with external auditors to align activities, avoid duplication, and maintain consistency within prescribed guidelines.
• Audit Committee Coordination
  Prepare and present materials for quarterly Audit Committee meetings, or more frequently as required. Provide expert guidance on the internal audit plan, key findings, risk landscape, and the status of remediation actions.
• Special Investigations
  Lead or support sensitive and complex investigations as directed by the Audit Committee or senior management, including fraud investigations, whistleblower complaints, and regulatory inquiries. Maintain confidentiality and objectivity throughout all investigative processes.
• Technology & Cybersecurity Audits
  Oversee a dedicated technology audit program covering Information Security, IT Infrastructure, Cloud Security, Identity and Access Management, Application Security, Payment Systems, Business Continuity and Disaster Recovery, and Third-Party Risk. Ensure technology risks are assessed with the same rigor as financial and operational risks.
• Continuous Improvement
  Drive the ongoing evolution of the internal audit function by introducing data analytics and continuous auditing techniques, refining audit methodologies, and ensuring full compliance with the International Professional Practices Framework (IPPF). Champion a culture of improvement, professionalism, and audit excellence across the team.

‍What it takes to become a Sadanaut:

• A Bachelor’s degree in Accounting, Finance, or a related field is required. A graduate degree (e.g., MBA) is a plus.
• Professional Certification: CA, ACCA, CIA, CISA, or equivalent is required.
• 7 to 10 years of relevant work experience, with at least 3 years in a Head of Internal Audit role within the banking or fintech sector in Pakistan. Strong familiarity with SBP regulations and best practices in internal audit is essential.
• Demonstrated ability to effectively communicate complex audit findings and risk management strategies to the Board of Directors, Senior Management, and regulatory bodies. Proven track record of building and maintaining strong relationships with regulators, particularly the SBP.

Perks of being at SadaPay:

• USD-Denominated Salary: At SadaPay, all salaries are pegged to USD to help protect team members from inflation. If the dollar depreciates against the PKR, you'll always receive a minimum payment equal to your PKR salary.
• Hybrid Work Culture: In locations where we have an office, our teams follow a hybrid work model with 2 days in the office and 3 days remote each week, balancing collaboration, flexibility, and focused work.
• Flexible Leave Policy: We offer a flexible leave policy to support a sustainable work-life balance. We trust our colleagues to manage their work and leave responsibly.
• Comprehensive Insurance Coverage: Every Sadanaut, regardless of grade, receives Medical Insurance (covering both outpatient and inpatient care), including immediate family and parents.
• Provident Fund Contributions: Provident fund contributions are provided to all team members to support their financial growth.
• Technology and Resources: Each colleague receives a laptop and additional resources (relevant to their role) to ensure they can work efficiently and comfortably.

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Equal Opportunity Provider:

At SadaPay, we are committed to fostering an inclusive environment where everyone feels welcome and valued. We strive to make every Sadanaut feel comfortable and respected in the workplace. Discrimination of any kind has no place here; instead, we promote a culture of respect and mutual support among colleagues. Our recruitment process is built on fairness and equality for all, irrespective of race, age, gender, color, religion, social status, disability, or ethnicity.

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