Regional Commercial Officer (Herat)

The Commercial Officer is responsible for delivering assigned commercial targets through disciplined field sales, customer and distributor acquisition, relationship management, market development, product promotion, loan/portfolio discipline, and accurate reporting. The position is accountable for converting plans into measurable results while ensuring that all activities are conducted in accordance with company policies, approved limits, documentation requirements, and applicable regulatory requirements.

• Bachelor’s degree in Business Administration, Management or other social sciences.
• 2–5 years’ experience in sales, or commercial management.
• Strong leadership and team management skills.
• Good analytical and reporting abilities.
• Strong coordination and communication skills.
• Familiarity with MNO operations (preferred advantage).
• Personal Attributes
• Accuracy and timeliness of financial and regulatory reporting
• Results-driven and proactive
• High integrity and professionalism
• Ability to work under pressure
• Adaptable and solution-oriented

• Sales Generation & Target Achievement
• Achieve assigned monthly and quarterly sales/revenue targets and translate targets into weekly and daily activity plans.
• Promote and sell Star Pay, Top up, and other company services/products assigned by management.
• Develop and maintain a qualified sales pipeline covering new customers, shops, agents, distributors, and other relevant channels.
• Identify prospects, initiate contact, conduct product/service presentations, negotiate within approved authority, and close business.
• Monitor daily sales performance against target and immediately identify gaps, causes, and corrective actions.
• Prioritize high-potential accounts and territories based on sales potential, customer activity, distribution reach, and business opportunity.
• Maintain disciplined follow-up on leads and opportunities until conversion, rejection, or formal closure.
• Customer & Distributor Acquisition and Management
• Acquire new customers, shops, agents, distributors, and distribution partners within the assigned territory and approved customer profile.
• Maintain strong, professional, and commercially productive relationships with existing customers and distributors.
• Develop account-level action plans for priority distributors/customers, including sales growth, product penetration, activity improvement, and issue resolution.
• Monitor customer/distributor activity and identify declining, inactive, or at-risk accounts before they materially affect performance.
• Address customer inquiries, concerns, and complaints promptly; record material issues and escalate unresolved matters through the appropriate channel.
• Ensure customer and distributor commitments are followed through and that agreed actions are closed within the required timeframe.
• Gather structured customer feedback and communicate recurring issues, opportunities, and service gaps to management.
• Market Development & Field Execution
• Conduct regular market visits in assigned areas in accordance with an approved visit plan.
• Map and prioritize potential shops, agents, distributors, and other distribution opportunities.
• Onboard new shops, agents, and distribution channels in line with approved procedures and documentation requirements.
• Assess territory coverage, channel productivity, customer density, competitor presence, and unmet demand to identify growth opportunities.
• Monitor competitor activities, pricing/promotion where observable, product positioning, channel behavior, and market trends; provide actionable market feedback.
• Execute field activities and market initiatives assigned by management and document outcomes, opportunities, and follow-up actions.
• Maintain effective territory coverage and avoid excessive concentration of visits on existing accounts at the expense of new business development.
• Product & Service Promotion
• Promote new and existing products/services through direct customer engagement, distributor engagement, demonstrations, and approved field activities.
• Increase product penetration, active usage, transaction activity, and customer adoption within the assigned territory.
• Explain product/service features, procedures, eligibility, pricing or applicable terms accurately and only within approved company guidance.
• Support marketing campaigns and field activations and provide post-campaign feedback on leads, conversions, customer response, and operational issues.
• Track uptake of promoted products/services and identify reasons for low adoption, then recommend practical corrective actions.
• Loan Management & Portfolio Discipline
• Ensure any distributor loan is assigned strictly in accordance with the approved loan management policy and the limits established for each distributor.
• Monitor outstanding loan exposure for assigned distributors and promptly flag actual or potential breaches of approved limits.
• Work proactively on loan reduction in accordance with management instructions, agreed plans, and applicable policy requirements.
• Follow up on overdue, high-risk, non-performing, or otherwise problematic exposures and escalate material risks without delay.
• Maintain accurate supporting records for loan-related activities and ensure that no unauthorized commitment, limit change, or exception is made.
• Coordinate with relevant internal teams on loan status, collections/recovery actions, reconciliations, and exceptions.
• Communication & Stakeholder Management
• Maintain regular, professional, and documented communication with distributors and customers through available approved communication channels.
• Provide timely and clear responses to inquiries, operational concerns, complaints, and requests for support.
• Communicate commercial priorities, policy updates, product changes, and approved initiatives accurately and consistently.
• Escalate issues that cannot be resolved at officer level, especially matters involving financial exposure, compliance, customer risk, service disruption, or reputational impact.
• Maintain effective coordination with finance, operations, customer service, marketing, compliance, and other internal teams required for smooth execution.
• Reporting, Documentation & Data Accuracy
• Prepare and submit accurate daily, weekly, and monthly reports within the deadlines established by management.
• Maintain complete and up-to-date records of sales, customers, distributors, visits, leads, onboarding activity, product promotion, complaints, and follow-up actions.
• Ensure all required customer/distributor documents are collected, verified, complete, valid, and properly submitted/retained according to company requirements.
• Ensure reported figures reconcile with available source records and promptly correct discrepancies rather than carrying forward inaccurate data.
• Provide concise commentary with reports: target versus actual, key variances, reasons for gaps, corrective actions, responsible parties, and expected completion dates.
• Maintain confidentiality and integrity of commercial, customer, distributor, financial, and operational information.
• Operational Compliance & Controls
• Follow all company policies, procedures, approved processes, delegated authorities, and applicable regulatory requirements.
• Ensure proper handling of loans, transactions, reconciliations, customer documentation, and other controlled commercial activities.
• Do not bypass controls, approve unauthorized exceptions, or make commitments outside delegated authority.
• Monitor and manage non-performing, inactive, or otherwise high-risk accounts and escalate material issues promptly.
• Cooperate with internal control, audit, compliance, finance, and management reviews and close assigned corrective actions within agreed deadlines.
• Immediately report suspected fraud, policy breaches, material discrepancies, unauthorized activity, or other significant control concerns through the approved escalation process.
• Planning, Performance Management & Corrective Action
• Prepare an actionable territory visit plan covering priority customers, distributors, prospects, inactive accounts, and strategic opportunities.
• Execute the approved plan and maintain evidence of completed visits, outcomes, next steps, and follow-up commitments.
• Track performance against sales, acquisition, activity, portfolio, and service objectives and identify underperformance early.
• For any material performance gap, define corrective actions with a clear owner, deadline, expected result, and follow-up date.
• Review progress with the reporting manager regularly and adjust priorities based on performance data, market conditions, and management direction.
• Escalate resource constraints or dependencies that could prevent target achievement rather than allowing issues to remain unresolved.
• Other Responsibilities
• Perform other commercially relevant responsibilities assigned by the department or management, provided they are within the role's authority, competence, and applicable company policies.
• Support cross-functional initiatives where required and maintain professional conduct, accountability, and responsiveness at all times.

Interested and qualified national candidates are invited to click Apply Now. submit their applications, including a cover letter and an updated CV, no later than 10 Nov 2026. Please note that only shortlisted candidates will be contacted for an interview.

Equal Employment Opportunity

Setaragan Mutahed Company provides equal employment opportunities to all employees and applicants without discrimination based on ethnicity, gender, religion, disability, age, or any other protected status.