About this role
About Ramaki Group of CompaniesRamaki Group of Companies is a diversified Afghan business group established in 1995, with an integrated ecosystem spanning manufacturing, FMCG sales and distribution, retail, farming and dairy, logistics, technology, digital commerce, fintech, media, and strategic investments. With more than 2,000 direct employees, a nationwide network of 10,000+ business partners, and a growing customer base of over 50,000 businesses and consumers, Ramaki connects industries, strengthens supply chains, and creates opportunities for businesses, consumers, investors, and partners across Afghanistan.https://ramaki.co/Job DescriptionRamaki Group of Companies is seeking a qualified Chief Technology Officer (CTO) to define and execute the technology vision, strategy, and roadmap for its digital products and platforms. The role focuses on strategic leadership, secure and scalable infrastructure, regulatory compliance, and building a high-performing engineering team, all aligned with organizational business goals, customer needs, and industry standards.The CTO will own the end-to-end technology function for Ramaki's fintech operations, from strategic planning and team development to vendor management and system reliability. The role combines strategic decision-making, cybersecurity oversight, regulatory and risk support, innovation, and cross-functional collaboration with the CEO, board, and compliance teams.Key Responsibilities:Strategic Leadership and Decision-MakingDefine the technology vision, strategy, and roadmap in line with business goals.Work with the CEO and executive team on product, growth, and investment decisions.Lead, hire, and develop the engineering team across backend, frontend, mobile and UI/UX.Report on technology progress, risks, and budget to the board and investors.Cybersecurity and InfrastructureOversee the security approach and make sure security is built into the platform.Ensure infrastructure, customer data protection, backup, and disaster recovery meet business needs and payment security standards such as PCI DSS.Regulatory, Risk and Compliance SupportWork with Compliance and Risk teams so systems support EMI requirements such as safeguarding, KYC/AML and transaction monitoring.Support audits and regulator or partner reviews on technical matters.Technology Innovation and Vendor ManagementSelect and manage technology vendors and partners, such as payment processors, card providers, banking partners and KYC providers, and own the technology budget.Evaluate new technologies that improve efficiency, security or customer experience.Systems and Service Availability and ReliabilityEnsure the platform is reliable, scalable and available, with accurate transaction processing, clear SLAs and monitoring.Establish engineering processes for development, testing, release, and incident management.Job Requirements7+ years in software engineering, including 3+ years in fintech.Led engineering teams of 10+ across backend, frontend, mobile, and design.Launched and ran a regulated payments, e-money, banking, or card product.Strong in distributed systems, cloud infrastructure, and secure engineering.Knowledge of EMI and payments regulation, KYC/AML and safeguarding.Clear communicator with the board, regulators and non-technical colleagues.RequirementsEducation: Bachelor's degree required; master's degree preferredExperience: • 7+ years in software engineering, including 3+ years in fintech.
