Bilaal Ramjaun

Bilaal Ramjaun serves as the Group Chief Financial Officer for both Sarafu and AzamPay, as well as the Chief Financial Officer for AzamPesa and Azam TV since May 2017. With a focus on financial technology solutions in East Africa, Bilaal evaluates market conditions and regulatory frameworks for AzamPay while leading global partnerships and ensuring regulatory compliance at AzamPesa. Prior experience includes roles such as Head of Finance and Compliance at Medscheme and Accountant at Econet Wireless, alongside significant contributions at Huawei Technologies and Deloitte, where Bilaal gained extensive experience in audit, strategic finance, and project accounting. Bilaal holds professional qualifications from ACCA and advanced degrees in accounting and data science from esteemed institutions, including Oxford Brookes University and the Massachusetts Institute of Technology.