Simpaisa Group Operating Model¶
Version: 1.0
Prepared by: Daniel O'Reilly, Chief Digital Officer
Classification: Confidential - ELT and Board Only
Date: April 2026
About This Document¶
This site is the single authoritative reference for how Simpaisa Group operates, governs, and grows. It covers the complete operating model across all nine entities, the CDO 90-day strategy, technology architecture, regulatory compliance framework, and people and talent plans.
This document is a living reference. It is version-controlled, access-controlled, and reviewed at each quarterly board meeting.
How to Use This Site¶
Use the navigation tabs across the top to move between sections. Each section is self-contained. Use the search bar (top right) to find any topic, policy, process, or role across the entire operating model.
Quick Links¶
| Section | What You Will Find |
|---|---|
| Operating Model | Group structure, governance, RASCI, processes, country models |
| CDO Strategy | 90-day plan, DT roadmap, digital office structure |
| Technology | Architecture, SDLC, platform design documents |
| Regulatory and Compliance | DFSA, SBP, regulatory suites, gap analysis |
| Policies | All standalone policies across conduct, governance, and financial crime |
| Market Intelligence | Competitive landscape across 8 countries |
| People and Talent | Succession planning, job descriptions for all open roles |
| Appendices | Supporting documents and evidence |
Document Status¶
| Document | Status | Last Updated |
|---|---|---|
| Operating Model v1.0 | Active | April 2026 |
| CDO 90-Day Plan | Active | April 2026 |
| DFSA Cat 3D Gap Analysis | Active | April 2026 |
| Transaction Lifecycle Architecture | Draft | April 2026 |
| SDLC Governance Framework v2.0 | Active | April 2026 |
| Competitive Landscape | Active | March 2026 |
Classification
This documentation is classified Confidential - ELT and Board Only. Do not distribute outside the executive leadership team without CDO approval.