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Chief Technology Officer

Ghazanfar Pay — Kabul

Finance · Full time · Bachelor's Degree · Male

Salary: Organization salary scale
Deadline: 26 Sep 2026
Reference number: GP/EAD/58

About Ghazanfar Pay

Ghazanfar Pay is a newly established Electronic Money Institution (EMI) and a subsidiary of Ghazanfar Bank, one of Afghanistan's leading and most trusted financial institutions. Built on a vision to revolutionize how people transfer and manage money, Ghazanfar Pay aims to become the leading digital financial services provider in Afghanistan and the region, committed to financial inclusion through secure, affordable and innovative electronic payment solutions.

Job summary

Ghazanfar Pay is looking for a Chief Technology Officer in Kabul to define and execute the company's overall technology vision and architecture, overseeing the EMI platform, mobile applications, switching and integration layers, cybersecurity frameworks, data management and technology operations.

Key responsibilities

  • Develop and execute the overall technology strategy aligned with Ghazanfar Pay's business objectives and regulatory requirements
  • Design and maintain enterprise architecture covering platforms, mobile applications, middleware, switching, APIs and data layers, ensuring scalability and high availability
  • Lead technology roadmaps for new product enablement, system upgrades and digital transformation initiatives, ensuring interoperability with national payment systems and banking platforms
  • Oversee implementation and lifecycle management of wallet platforms and transaction engines, and lead integration of merchant systems, agents and third-party fintech solutions
  • Establish and enforce cybersecurity frameworks aligned with regulatory and international standards, overseeing security architecture, access controls and incident response mechanisms
  • Ensure 24/7 system availability, monitoring and performance optimization, establishing SLAs and automated monitoring for internal systems and third-party vendors
  • Lead technology vendor selection, contracting and performance monitoring, and identify emerging technologies to enhance efficiency, security and service delivery
  • Work closely with Compliance, Risk and Internal Audit to embed regulatory controls into system design, ensuring readiness for Central Bank inspections and audits
  • Lead data architecture, warehousing and analytics platforms, enabling real-time dashboards for management, operations, compliance and risk monitoring
  • Build, lead and mentor a high-performing technology and digital team, establishing clear KPIs and continuous learning programs

Job requirements

  • Bachelor's degree in Computer Science, Information Systems or a related field (Master's preferred); certifications such as CISSP, CISM, TOGAF or ITIL highly desirable
  • Minimum 8-10 years of experience in technology leadership roles within EMI, fintech, telecom, banking or payment services, including 3-5 years in a senior management or CTO/Head of Technology role
  • Proven experience implementing large-scale digital payment platforms and high-availability systems, with strong expertise in cybersecurity, systems integration, APIs and payment switching
  • Demonstrated experience working with regulators, audits and compliance-driven environments, and strong understanding of mobile money ecosystems and EMI platforms
  • Experience in emerging markets or fragile operating environments preferred, with fluency in English required and local languages an asset
Apply now
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