Ghazanfar Pay is establish as a newly Electronic Money Institution (EMI) and a proud subsidiary of Ghazanfar Bank, one of Afghanistan’s leading and most trusted financial institutions, built on a vision to revolutionize the way people transfer and manage money, Ghazanfar Pay aims to become the leading digital financial services provider in Afghanistan and the region. The company is committed to financial inclusion, bringing secure, affordable, and innovative electronic payment solutions to individuals, businesses, and communities. As a forward-looking financial technology company, Ghazanfar Pay will play a vital role in driving digital transformation in Afghanistan’s financial sector, promoting trust, transparency, and accessibility for all.
Risk Management Develop, implement, and maintain the Enterprise Risk Management (ERM) framework. Identify, assess, monitor, and report operational, financial, strategic, technology, liquidity, fraud, and reputational risks. Maintain the corporate risk register and monitor risk mitigation plans. Conduct periodic risk assessments across all business units. Promote a risk-aware culture throughout the
Technology Strategy & Architecture Develop and execute the overall technology strategy aligned with Ghazanfar Pay’s business objectives and regulatory requirements. Design and maintain enterprise architecture covering Ghazanfar pay platforms, mobile applications, middleware, switching, APIs, and data layers. Ensure scalability, modularity, and high availability of all technology systems. Lead tech
Strategic Planning & Growth Develop and execute the overall business development strategy aligned with Ghazanfar Pay’s vision and regulatory framework. Identify new market segments, customer acquisition channels, and revenue streams. Lead market research, competitor analysis, and industry trend assessments to inform strategic decisions. Partnerships & Alliances Establish and manage strategic partn
Branch Operations Lead and supervise the daily operations of all Ghazanfar Pay branches. Ensure consistent implementation of operational policies and procedures across all branches. Monitor branch performance and take corrective actions where necessary. Ensure efficient cash management and operational controls. Business Development Develop and implement strategies to increase customer acquisition
Agent Network Development Develop and implement strategies to recruit, onboard, and retain qualified agents. Identify new markets and locations for agent network expansion. Ensure adequate geographical coverage to support business growth. Establish and maintain strong relationships with agents and business partners. Agent Operations Management Oversee the daily operations of the agent network. Ens
Financial Planning & Strategy evelop revenue models and pricing strategies tailored for digital wallets, agent networks, and merchant services. Develop and implement long-term financial strategies to support the growth and sustainability of the EMI. Support the CEO and Board in strategic planning through robust financial modelling, forecasting, and investment analysis. Align financial plans with o
Audit Planning & Execution Develop annual audit plans aligned with Ghazanfar Pay’s strategic objectives and risk profile. Conduct risk-based audits covering branch operations, agent networks, financial transactions, and IT systems. Ensure audits are executed in compliance with EMI regulations, central bank requirements, and international standards. Prepare detailed audit reports with findings, rec
