Chief Information Officer - CIO

The Chief Information Officer (CIO) is a key member of the executive leadership team, entrusted with establishing, leading, and continuously advancing the Banks Information Technology function as a strategic pillar of the institution.

The CIO will architect and deliver a secure, resilient, and future-ready Technology ecosystem, enabling the Bank to operate as a digitally advanced, customer-centric, and operationally efficient Islamic financial institution. This role carries end-to-end accountability for Information Technology strategy, Execution, Governance, and Innovation, ensuring that IT not only supports but actively drives business growth, trust, and long-term sustainability.

• Buildastrong,disciplined,andwell-structuredITorganization fromthegroundup,withclearroles, accountability, and effective working practices
• Defineanddeliverapracticalandforward-lookingtechnologystrategy thatsupportstheBanksbusinessgoals and future growth
• Establishasecure,reliable,andscalabletechnologyenvironment thatensuresuninterruptedbankingservices at all times
• Enablesimple,secure,andseamlessdigitalbankingservicesforcustomersacrossallchannels
• Ensurefullcompliancewith regulatory,audit,andShariahrequirements,withstrongcontrolsandrisk management in place
• Usetechnologytoimproveefficiency,reducecosts,andsupportinnovation,makingtheBankmore competitive and responsive
• Putinplacecleargovernanceanddecision-makingstructurestoensuretransparencyandalignmentwith business priorities
• Promoteastrongcultureofsecurity,discipline,andresponsibilityacrossalltechnologyandbusinessteams
• Enablebetterdecision-makingthrougheffectiveuseofdata,real-timeinsights,andautomation

• DefineandcontinuouslyrefinetheBanks enterprise-wideIT,Digital,andDatastrategy,ensuring alignment with business objectives, regulatory expectations, and long-term growth plans
• Architectacohesive,secure,andfuture-readytechnologylandscapeencompassing:
• Robust,scalable,andcomprehensiveCoreBankingSystem
  • DigitalBankingPlatform(InternetandMobilebankingforretailandcorporatecustomers)
• DigitalCustomerOnboardingandServicingPlatform(includingAccountOpening,eKYC,andCustomer Lifecycle Service Management)
  • PaymentsInfrastructure(includingreal-timepayments,cards,andswitchingsystems)
    • IntegrationLayer(APIs,Middleware,andEnterpriseServiceBus)
    • DataandAnalyticsEcosystem
    • Infrastructureandcloudplatforms
• EnsuretheoverallarchitectureishighlySecurebydesign,Scalable,Modular,Resilient,andCost-Efficient
  • EstablishandenforceEnterpriseTechnologyStandards,GovernanceFrameworks,andArchitectural Principles
  • DrivetheadoptionofModern,Scalable,andNext-generationArchitecturalParadigms,includingAPI-first, cloud-enabled, and microservices-based design

• BuildtheITfunctionfromthegroundupwitha clearstructure,definedresponsibilities,andstrong governance, ensuring accountability at every level
• DefineasimpleandeffectiveITOperatingModel,includingpolicies,procedures,andcontrolmechanisms to ensure smooth and controlled operations
• DesignanOrganizedandScalableITstructurecoveringkeyareassuchasapplications,infrastructure, cybersecurity, data, and IT operations
• Recruit,develop,andretaina high-quality,performance-driventechnologyteam,withastrongfocuson discipline, ownership, and delivery excellence
• Establishclearservicedeliverystandards,withdefinedservicelevels(SLAs),performanceindicators(KPIs), and accountability for results
• Introduce modern IT Operations practices including Site Reliability Engineering (SRE)to ensure high system availability,reliability,fasterincidentresponse,andproactiveperformancemanagementofdigitalbankingplatforms
• Putinplacestructuredgovernanceforumstoensuretimelydecisions,properoversight,andalignment between business priorities and IT execution
• Ensurestrongfocusoncostcontrol,efficientuseofresources,andtransparentmanagementofIT investments
• Instillacultureofdiscipline,securityawareness,andcompliance fromtheverybeginningoftheIT organization
• Build a strong culture of continuous improvement and continuous learning, ensuring teams are consistentlyupgradingtheirskills,stayingupdatedwithemergingtechnologies,andadoptingglobalbest practices in banking and digital transformation

• Leadtheselection,design,andimplementationoftheCoreBankingSystem(CBS)fromendto end
• DefineclearbusinessandtechnicalrequirementsalignedwithIslamicbankingneedsandregulatory expectations
• Managethefullimplementationjourney,including:
• Definingandvalidatingrequirementswithbusinessteams
  • Selectingandcontractingvendors
    • Designingsystemarchitectureandensuringproperdesigngovernance
• Managingsystemintegration,testing,andqualityassurance
  • Handlingdatamigrationandreconciliation
    • Planninggo-live(cutover)andensuringsmoothpost-launchstabilization
• EnsurefullintegrationoftheCoreBankingSystemwith:
• Nationalpaymentsystems(Raast,IBFT,RTGS)
  • Digitalbankingchannelsandcustomerplatforms
    • AML,KYC,compliance,andregulatoryreportingsystems
• Ensurestrictcontroloversystemchangesandcustomizationstoprotect stability,performance,andlong-term scalability
  • Managevendorseffectivelytoensuretimelydelivery,qualityoutput,andaccountabilityforresults

• Designanddeliverafullyintegrated,omnichanneldigitalbankingecosystem
  • Enableend-to-endDigitalCustomerjourneysthatareintuitive,secure,andefficient
  • Implementreal-time,always-ontransactioncapabilitiesacrossallchannels
  • DriveAPI-firstintegrationtoenablefintechcollaborationandecosystemexpansion
  • Leverageadvancedtechnologiestoenhancecustomerexperiencethrough:
• Personalizationandbehavioralinsights
  • Intelligentrecommendationsandautomation
• Ensuredigitalplatformsmeetthehigheststandardsofsecurity,performance,scalability,andusability
  • Continuouslyrefinecustomerexperiencethroughdata-driveninsightsandfeedbackmechanisms

• Establishandenforceacomprehensive,enterprise-widecybersecurityframework
• Implementlayereddefensemechanismsacrossnetwork,application,endpoint,anddataenvironments
• Setupandoperationalizea SecurityOperationsCenter(SOC)forcontinuousmonitoringandthreat management
• Ensurecompliancewithallregulatoryandinternationalsecuritystandards
• Developandmaintainrobust:
• Incidentresponseandcrisismanagementframeworks
  • Cyberresilienceandrecoverycapabilities
• DesignandoperationalizeBusinessContinuityandDisasterRecovery(BCP/DR)frameworkswithclearly defined recovery objectives
  • Implementadvancedfrauddetectionandpreventionmechanisms
  • Fosterasecurity-firstcultureacrosstheorganizationwithstrongawarenessandaccountability

• Establishacomprehensiveenterprisedatastrategypositioningdataasastrategicasset
• Designandimplementmoderndataplatformsincludingdatawarehouse,datalake,andreal-timedata pipelines
• Institutionalizestrongdatagovernancecoveringownership,quality,lineage,andcompliance
• Enableadvancedanalyticscapabilitiessupporting:
• Customerinsightsandsegmentation
  • Riskmodelingandpredictiveanalytics
    • Frauddetectionandoperationalintelligence
    • Financialandbusinessperformanceanalysis
• Deployenterprise-widebusinessintelligenceandreportingplatforms
  • Integrateartificialintelligenceandmachinelearningtoenableintelligentdecision-makingandautomation
  • Promoteadata-drivencultureacrossallbusinessfunctions

• Designandmanagearobust,secure,andscalableenterpriseinfrastructureenvironment
• Ensurehighavailabilityandresilienceofallmission-criticalsystemswithminimaltolerancefordowntime
• Defineandexecuteacloudstrategyalignedwithregulatoryrequirementsandbusinessneeds
• Establishinfrastructureandnetworkoperationscentersforreal-timemonitoringandcontrol
• Implementautomationandorchestrationforinfrastructureprovisioningandscaling
• Ensureefficientmanagementofend-usercomputingandworkplacetechnologies
• MaintainfulllifecyclemanagementofITassets
• Drivecontinuousinfrastructureoptimizationfocusingonperformance,resilience,andcostefficiency

• EstablishamatureITservicemanagementframeworkalignedwithglobalbestpractices
• Ensuredisciplinedexecutionofincident,problem,change,andreleasemanagementprocesses
• DefineandenforceservicelevelcommitmentsacrossallITservices
• Maintainhighstandardsofsystemavailability,reliability,andusersupport
• Drivecontinuousimprovementandoperationalexcellenceinservicedelivery

• Ensurefullcompliancewithregulatory,audit,andShariahgovernancerequirements
• Establishstronginternalcontrols,policies,andauditmechanisms
• Maintaintransparency,traceability,andaccountabilityacrossallITfunctions
• AlignIToperationswithenterpriseriskmanagementframeworks

• Leadstrategicvendorselection,contracting,andperformancemanagement
• Ensurestronggovernanceandaccountabilityacrossallthird-partyengagements
• Mitigatevendordependencyrisksandensurelong-termtechnologyindependence
• Buildandmanageascalableecosystemoffintechandtechnologypartners
• Ensureprocurementdiscipline,costtransparency,andvaluerealization

• OwnandmanageITbudgeting,forecasting,andfinancialgovernance
• Ensuredisciplinedinvestmentintechnologywithclearvaluerealization
• Drivecostoptimizationthroughautomation,efficientarchitecture,andvendorrationalization
• MaintainstrongfinancialcontrolandaccountabilityacrossallITinitiatives

• Continuouslyidentify,evaluate,andadoptemergingtechnologies
• Leadenterprise-widedigitaltransformationinitiatives
• Promoteacultureofinnovation,agility,andcontinuousimprovement
• Enablecontrolledexperimentationandrapiddeploymentofnewcapabilities

• Buildandleadahigh-performance,disciplined,andaccountableITorganization
• Developstrongleadershippipelineandsuccessionplanning
• Fosteracultureofownership,professionalism,andexecutionexcellence
• EnsurestrongcollaborationandalignmentbetweenITandbusinessfunctions
• Drivecontinuouscapabilitydevelopmentandlearning

• Fullyestablishedandhigh-performingITorganization
• SuccessfulimplementationandstabilizationofCoreBankingSystem
• Launchofsecureandscalabledigitalbankingplatforms
• Robustcybersecurityandresilienceframework
• Enterprisedataandanalyticscapabilitiesoperational
• Efficient,reliable,andcost-optimizedIToperations

• Strategicandforward-thinkingtechnologyleadership
• Deepexpertiseinbankingsystemsanddigitaltransformation
• Strongcybersecurityandriskmanagementacumen
• Provenexecutioncapabilityincomplexenvironments
• Effectivestakeholderandvendormanagement
• Financialdisciplineandvalue-drivendecisionmaking
• Leadershippresencesuitedforhighlyregulatedinstitutions