As Business Development Head you are responsible to:

• To write and update Manuals, Policies, Procedures and checklists for BD department regular intervals.

Preparation of Annual business Budgets Forecasting:

• He ensures that annual budgets of the department and forecasting are prepared and approved for each financial year and are followed & implemented where possible.

Responding & Handling the Audit Committee & Internal Audit team:

• He ensures that the affairs of the BD remain always in order and compliant with the bank policies and internal audit inspection/checks conducted by IAD team and provide cooperation and necessary access to records as and when requires.
• Writing the proposals for ministries, NGOs and other required organizations.
• Visit of branches for business purpose and development based on BD yearly plan.
• Achieving the business targets
• Conducting of meeting with BD officials weekly and monthly based on BD yearly plan.
• Preparing and presenting monthly or quarterly based on advice of BOM and annual report to senior management.
• Responsibility for the daily management and implementation of the marketing BD program for the bank, converting the full marketing mix of advertising/Media/PR (Public Relation)
• Manage and oversee the social Media aspects of the bank’s web presence e.g. Blog linkden, Facebook, Twitter, etc.
• Help implement site developments and introduce new ideas where necessary.
• Record of key client database management of profile.
• Participation for national expositions for expanding business relations.
• Generating new business leads
• To manage, plan, organize, control and guide day to day activities of the BD side of the bank at Head Office as well at Branches of the Bank.

Job Descriptions & staff Appraisals:

• He ensures that proper job descriptions are written and given to each employee working under the BD Department with the help of the Employees’ Affairs Head, and that these are updated from time to time. He also ensures that periodic appraisals/evaluations are conducted for every employee working under him and submitted to EAD

Customer Service:

• To ensure that best possible service standards are maintained in head office & all Branches and compliant lodged by the clients if any are attended and grievances addressed in best possible manner.
• Provide strategic planning for the marketing department
• Plan a successful marketing strategy.
• Design and implement incentive system for sales team with the approval of top management.
• Develop a sales team.
• Provide clear cut direction, motivation and leadership to the sales team.
• Expand market share, increase share of mind and share of heart.
• Brand development.
• Provide communication strategy.
• Enhance and build positive market image.
• Coordinate with other departments.
• Provide training to the sales team.
• Meet and visit key customers.
• Building relationship with embassies & national/ international NGOs.
• Inviting and participating in the customer’s parties to strengthen business relationships in coordination with CEO.
• Distribution of gifts and congratulatory message on New Year & Eid occasions for key customers.
• Implement relationship of marketing.
• Conduct market research.
• Ensure for the maintain data base of customers for CRM.
• Design and suggest product mix.
• Department Heads are not permitted to accomplish changes or perform a task which is excluded his daily activities that could embrace a minimum possibility of risk percentage to the bank in this case department heads must take approval of Chief Executive Officer or related committee.
• To attend to any other matter that may not have been mentioned in this document but advised by Head of Department

Public Relation:

• Responsible for planning, organizing and directing Bank’s internal and external events.
• Liaison with media and advertising companies.
•  Provide leadership for all public relation activities and manages relationship with the media.
• Compose, edit and circulate the Bank’s public relation materials i.e. news release, fact sheet, articles etc.
• Ensure that all required legal & compliance approvals of all marketing and public relation materials are completed, and maintain in centralized files for audit purposes.
• He is Responsible to review and approve all the printing materials such as brochures, magazine, envelops, bank profile, designs and others that maybe required.
• Responsible for regular training in respect of knowledge transfer and capacity building of staff, so as to provide proper guidance on their duties, office manners, etiquette, and how to perform their respective tasks.

Education:

• Bachelor degree is a must and Master’s degree will be preferred.
• Relevant professional certifications or training desirable.

Experience:

3-5 year have experience in Business Development roll.

Skills:

• Customer Focus Ability
• Communication Skills
• Negotiation Skills
• Sales closure Ability
• Project Management Skill
• Problem Solving and Decisiveness Skills
• Supervisory Skills
• Motivational Skills
• Ability to take Ownership
• Delegation of Work
• Staff Management Skills
• Decision-making Skills

• Conduct regular and ad-hoc Sharia reviews of banking products, financing operations, treasury activities, deposits, and service offerings.
• Review contracts, agreements, procedures, and marketing materials for Sharia compliance.
• Verify implementation of Sharia Board fatwas, resolutions, and instructions.
• Perform Sharia reviews on selected transactions and product processes.
• Identify Sharia non-compliance issues and assess their impact.
• Recommend corrective and preventive measures.
• Support the development and enhancement of Sharia review methodologies, programs, and checklists.
• Ensure proper documentation of Sharia review work and findings.
• Support integration of Sharia controls into business processes.
• Prepare periodic Sharia review reports for the Sharia Head and Sharia Board.
• Track implementation of corrective actions and follow up on outstanding issues.
• Escalate material Sharia non-compliance matters promptly.
• Coordinate with Internal Audit, Compliance, and Risk Management on Sharia-related matters.
• Support joint reviews where Sharia risk overlaps with operational or compliance risk.
• Provide Sharia input during audits, inspections, and regulatory reviews.
• Support business units during product development and process changes.
• Provide Sharia review input before new products or services are launched.
• Review system configurations affecting Sharia-based products.
• Support Sharia awareness initiatives and staff training programs.
• Assist in preparing Sharia guidelines and reference materials.
• Promote a strong Sharia compliance culture across the Bank

Education

• Bachelor’s degree in Sharia, Islamic Jurisprudence, Islamic Banking & Finance, or related field
• Master’s degree in Islamic Finance or Sharia is a strong advantage
• AAOIFI CSAA/ CIPA will be preferred

Experience

• Minimum 1–3 years of experience in Islamic banking, Sharia review, or Sharia audit
• Practical knowledge of Islamic banking products, contracts, and structures
• Experience working with Sharia Boards and control functions is preferred

Skills & Competencies

• Strong knowledge of Fiqh-ul-Muamalat and Islamic finance principles
• Understanding of banking operations and financial products
• Strong analytical and documentation skills
• High ethical standards and professional integrity
• Ability to work independently and objectively
• Good communication and reporting skills

Performance Evaluation

Performance will be evaluated based on:

• Quality and effectiveness of Sharia reviews
• Timeliness and clarity of reports
• Reduction of Sharia non-compliance issues
• Implementation rate of corrective actions
• Contribution to strengthening Sharia governance

Professional & Ethical Standards

The Sharia Review Officer shall:

• Maintain strict confidentiality
• Avoid conflicts of interest
• Act with independence and objectivity
• Comply with Sharia governance framework and bank policies

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 partnerships with banks, telecom operators, merchants, fintechs, and government entities.
• Negotiate and structure commercial agreements to maximize value and long-term collaboration.
• Expand the merchant and agent network nationwide.

Product & Market Expansion

• Collaborate with Product, Technology, and Operations teams to design and launch innovative digital financial products (wallets, payments, remittances, etc.).
• Drive adoption and usage of Ghazanfar Pay services across target customer segments.
• Identify opportunities for cross-border and regional integrations.

Revenue Generation & Performance Management

• Define revenue targets and ensure achievement through effective sales and partnership strategies.
• Monitor KPIs including customer acquisition, transaction volumes, and revenue growth.
• Prepare periodic performance reports for senior management and the Board.

Stakeholder Management

• Build strong relationships with regulators, particularly Da Afghanistan Bank (DAB), and ensure alignment with EMI regulations.
• Represent Ghazanfar Pay in industry forums, conferences, and stakeholder engagements.

Team Leadership

• Lead and develop the Business Development team, ensuring high performance and accountability.
• Set clear objectives, KPIs, and professional development plans for team members.

Qualifications & Experience

• Bachelor’s degree in Business Administration, Finance, Economics, or related field (Master’s preferred).
• Minimum 5–8 years of relevant experience in business development, preferably in banking, fintech, or telecommunications.
• Strong understanding of digital financial services, mobile money, and payment systems.
• Proven track record of achieving revenue targets and building strategic partnerships.

Key Deliverables

• Business Development Strategy and Annual Growth Plan
• Partnership Agreements and MoUs
• Market Expansion Roadmap
• Monthly and Quarterly Performance Reports
• Revenue and Customer Growth Targets Achievement

Key Performance Indicators (KPIs)

• Growth in active customers and wallet users
• Increase in transaction volumes and values
• Number and quality of strategic partnerships
• Revenue growth and profitability metrics
• Market share in digital payments ecosystem

Competencies

• Strategic thinking and commercial acumen
• Strong negotiation and stakeholder management skills
• Leadership and team management capability
• Excellent communication and presentation skills
• High level of integrity and professionalism

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 organization.

Compliance Management

• Ensure compliance with Da Afghanistan Bank regulations, EMI licensing requirements, and applicable laws.
• Develop and maintain compliance policies, procedures, and internal controls.
• Monitor compliance with internal policies and regulatory obligations.
• Coordinate regulatory reporting and compliance reviews.
• Serve as the primary point of contact for regulatory compliance matters.

AML/CFT & KYC Oversight

• Develop and oversee the implementation of AML/CFT and KYC policies and procedures.
• Monitor suspicious transactions and ensure timely reporting to the relevant authorities.
• Conduct customer and agent due diligence reviews.
• Ensure ongoing sanctions screening and transaction monitoring.
• Coordinate AML/CFT training and awareness programs.

Internal Controls

• Design and evaluate internal control systems.
• Conduct compliance monitoring and control testing.
• Recommend corrective actions to address control weaknesses.
• Monitor implementation of corrective action plans.

Risk Monitoring and Reporting

• Prepare periodic risk and compliance reports for Executive Management and the Board.
• Report significant risk exposures, compliance breaches, and emerging risks.
• Develop and monitor Key Risk Indicators (KRIs) and compliance metrics.

Policy Development

• Develop, review, and update risk management, compliance, AML/CFT, KYC, fraud prevention, and operational policies.
• Ensure policies remain aligned with regulatory changes and industry best practices.

Training and Awareness

• Conduct risk, compliance, and AML/CFT training for employees, branch staff, and agents.
• Promote awareness of regulatory obligations and ethical business practices.
• Support departments in implementing effective risk management practices.

Qualifications:

• Bachelor’s degree in Finance, Banking, Accounting, Business Administration,  Economics, Risk Management, or a related field.
• Master’s degree or professional certification (CAMS, CISA, CRMA, CIA, FRM, or equivalent) is an advantage.
• Minimum of 5 years of professional experience in banking, Electronic Money Institutions (EMIs), fintech, or financial services in risk management, compliance, AML/CFT, or internal audit.
• Experience working with financial sector regulatory requirements and governance frameworks.

Core Competencies:

• Excellent report writing and presentation skills.
• Strong leadership and stakeholder management abilities.
• High level of integrity and confidentiality.
• Excellent communication and problem-solving skills.
• Fluency in English; knowledge of Dari and Pashto is highly desirable.
• Enterprise Risk Management
• Regulatory Compliance
• AML/CFT and KYC Compliance
• Fraud Risk Management
• Internal Controls
• Corporate Governance
• Risk Assessment and Analysis
• Regulatory Reporting
• Policy Development
• Strategic Planning

Applicants who meet the above requirements are invited to submit their updated Curriculum Vitae (CV) or Resume to sr.recruitment-officer@ghazanfarbank.com. Please ensure that you include the position title and vacancy announcement number in the email subject line. Applications that do not follow this format will not be considered.

Note: Shortlisted candidates will be contacted for further recruitment processes.

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 and transaction volumes.
• Support the expansion of Ghazanfar Pay branch network and agent locations.
• Identify new business opportunities and partnerships to enhance growth.

Customer Service

• Ensure high standards of customer service across all branches.
• Monitor customer satisfaction and resolve escalated customer complaints.
• Promote a customer-centric culture within the branch network.

Compliance and Risk Management

• Ensure all branch operations comply with DAB regulations, AML/CFT requirements, and internal policies.
• Coordinate with Compliance, Risk, and Internal Audit departments.
• Monitor operational risks and implement effective mitigation measures.
• Ensure timely reporting of suspicious transactions and regulatory matters.

Staff Management

• Recruit, coach, mentor, and evaluate branch managers and operational staff.
• Conduct regular performance reviews.
• Identify training needs and support staff development.
• Promote teamwork, integrity, and accountability.

Financial Management

• Monitor branch budgets and operational expenses.
• Ensure branches achieve financial and operational targets.
• Analyze branch profitability and recommend improvements.

Reporting

• Prepare weekly, monthly, and quarterly operational reports.
• Present branch performance, challenges, and recommendations to senior management.
• Maintain accurate operational records and management information.

Strategic Planning

• Participate in developing operational strategies for Ghazanfar Pay EMI.
• Support the launch of new financial products and digital payment services.
• Contribute to continuous improvement initiatives across the organization.

Qualifications:

• Bachelor’s degree in Business Administration, Finance, Economics, Banking, or a related field, Master’s degree is an advantage.
• Minimum of 5–6 years of professional experience in banking, electronic money institutions , or financial services.
• At least 3 years in a managerial or branch management role.
• Experience in branch operations, digital payments, or mobile financial services is preferred.

Leadership Capabilities:

• Provides strategic direction and inspires teams to achieve organisational goals.
• Demonstrates strong leadership in managing multi-branch operations.
• Makes timely, sound, and evidence-based decisions.
• Builds and leads high-performing teams through coaching and mentoring.
• Drives operational excellence and continuous improvement.
• Manages organizational change effectively and promotes innovation.
• Delegates responsibilities appropriately while ensuring accountability.
• Resolves conflicts professionally and promotes a collaborative work environment.
• Demonstrates sound judgement in handling operational and regulatory issues.
• Fosters a culture of integrity, compliance, and customer excellence.

Core Competencies:

• Branch Operations Management
• Business Development and Growth
• Customer Relationship Management
• Financial and Budget Management
• Risk Management and Internal Controls
• Regulatory Compliance (DAB, AML/CFT, KYC)
• Strategic Planning and Execution
• Performance Management
• Problem Solving and Analytical Thinking
• Negotiation and Stakeholder Management
• Effective Communication and Presentation Skills

Personal Attributes:

• High level of integrity and professionalism.
• Strong sense of accountability and ownership.
• Customer-focused and service-oriented.
• Results-driven with a commitment to achieving targets.
• Excellent interpersonal and relationship-building skills.
• Self-motivated and proactive.
• Adaptable and resilient in a dynamic environment.
• Strong organizational and time-management skills.
• Maintains confidentiality and exercises discretion.
• Demonstrates initiative, innovation, and continuous learning.
• Able to work effectively under pressure and meet tight deadlines.
• Committed to ethical conduct and the values of Ghazanfar Pay EMI.

Applicants who meet the above requirements are invited to submit their updated Curriculum Vitae (CV) or Resume to sr.recruitment-officer@ghazanfarbank.com. Please ensure that you include the position title and vacancy announcement number in the email subject line. Applications that do not follow this format will not be considered.

Note: Shortlisted candidates will be contacted for further recruitment processes.