BENJAMIN NANA AGYAPONG
Accra
Summary
Dynamic Digital Channels Manager and Commercial Credit Analyst with a proven track record at Ecobank Ghana PLC. Excelled in credit analysis and digital payment innovations, enhancing MSME growth and ATM channel profitability. Skilled in customer relationship management and data analysis, consistently surpassing targets through strategic planning and teamwork. Hardworking, highly motivated professional eager to lend combined knowledge and skills to enhance business performance. Operates well in both individual and team capacities, leveraging seasoned work ethic to quickly adapt to different processes and drive company objectives. Resourceful and results-driven with a passion for growth and efficiency to meet company needs and increase service value.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Commercial Credit Analyst
Ecobank Ghana PLC
02.2024 - Current
- I leverage my expertise in analyzing creditworthiness, assessing loan applications and maintaining a robust portfolio to support our MSME client's growth ambitions
- Negotiated terms of repayment plans with MSMSE's who have fallen behind on payments
- Recommended appropriate credit limits based on analysis of financial data
- Participated in regular meetings to discuss portfolio performance trends
Digital Channels Manager, ATM Channels
Ecobank Ghana PLC
08.2019 - Current
- Consistently surpassed established targets for ATM transaction volume, value, and revenue, demonstrating strong operational management and strategic acumen
- Planned, created, tested and deployed Customer life cycle methodology to produce high quality systems to meet and exceed customer expectations
- Reduced waste and pursued revenue development strategies to keep department aligned with sales and profit targets
- Cultivated positive rapport with channel stakeholders to improve uptime and increase profitability
- Leveraged data and analytics to make informed decisions and drive business improvements
- Utilized strong analytical and problem-solving skills to address operational issues
- Developed training modules and documentation to train staff
- Collaborated with senior management on special projects involving cross-functional teams
- Demonstrated leadership in managing teams and stakeholders, utilizing effective problem-solving techniques
- Developed Channel objectives, budgets, policies, procedures, and strategies
- Focused on learning new skills and staying updated with industry changes
- I created over 500 POS, WEB, QR & PAYWITH Setups across the country and provided Tech Support and training for merchants across the country
- Provided exceptional customer service by responding promptly to inquiries and resolving customer issues quickly
- Represented company at events and market activations to promote products
- Developed and implemented effective strategies to increase customer loyalty and satisfaction
- Generated reports on daily POS activity, inventory levels, transaction volumes and value for the department
- Met deadlines while maintaining high-quality deliverables
- Troubleshot minor problems and reported larger technical issues
- Reviews Purchase behavior before, during and after loan booking
- Undertakes review and update of EGH Product Guide and Sales Matrix
- Ensures the preparation, printing and distribution of training materials on EGH product and services to all branches: Weekly dissemination of Product Information (e-flyers) via mail
- Feeds Sales and Support monthly with asset product presentation
- Undertakes Industrial Benchmarking On Product Pricing - Quarterly and Half Year
- Undertakes Industrial Benchmarking On Asset Product
Merchant Acquiring Support
Ecobank Ghana Limited
04.2017 - 08.2019
Product Manager, Asset Products
Ecobank Ghana PLC
04.2015 - 04.2017
- Maintained up-to-date knowledge of relevant laws, regulations, policies and procedures related to commercial lending activities
- Analyzed financial statements, cash flow projections and other credit information to assess client's creditworthiness
- Researched customer background using various resources such as Dun and Bradstreet reports, public records databases and internet searches
- Participated in regular meetings with senior management team members to discuss progress towards meeting established goals
Risk Officer
ECOBANK GHANA LIMITED
06.2011 - 03.2015
- Quarterly, Half Yearly and Annual Performance Review of EGH's Asset Products (MoM, YoY and YTD growth)
- Reviews of Product Utilization - Branch Visit to sensitize staff on Bank Products
- Preparation of monthly specific provisions on bad debt for Financial Control Department
- Negotiated settlements with defaulters in paying off indebtedness
- Repossession, valuation and auction of properties and equipment of defaulters with external agents
- Drafting of demand letters, legal briefs, Court attendance and memos for compromised settlements on defaulters
- Cheque confirmations and referrals
- Cheque processing and clearing
- Processing Clients; T-bills Time / Call Deposit Mutual Funds
- Processing Customer Enquiries # Balance Enquiries # ATM PIN ordering and issue # Transaction Enquiries and Funds Transfer # Account Enquiries Statement Processing Cross-Selling Products
Customer Service Officer
ECOBANK GHANA LIMITED
06.2006 - 05.2011
Senior Client Exec. Officer
Pharma Infor Consult
03.2003 - 05.2006
Education
MBA - MARKETING
GIMPA
12-2012
Bachelor of Arts (B.A.) - Economics/Geography
University of Ghana
01.2001
Skills
- Digital payment
- Mobile Payments
- Customer Relationship Management (CRM)
- Written Communication
- Teamwork and Collaboration
- Problem-solving abilities
- Excellent Communication
- Continuous Improvement
- Credit analysis
- Data Analysis
- Credit risk assessment
- Cash flow analysis
Certification
- Certified Digital Finance Practioner, Digital Frontiers Institute, Dec 2024
- Ecobank Credit Risk Masterclass Part 1, Moodys, Aug 2024
- Certified Credit Analyst Programm, National Banking Corporation, July 2024
- Food & Agribusiness banking training program, Rabo AgriFinance, July 2024
- Digital Marketing Foundations, LinkedIn, 2021
- Digital MSME Finance, Digital Frontiers Institute, 08/01/24
- Understanding and Managing Risk, Digital Frontiers Institute, 06/01/24
- CyberSecurity, Digital Frontiers Institute, 04/01/24
- Agent Networks at the Last Mile, Digital Frontiers Institute, 12/01/23
- Data Analytics Training Program and Projects (Excel, MySQL, PowerBI, Python), JOMACS, 02/01/24
- Leading Digital Money Market, Digital Frontiers Institute, 07/01/23
- Oracle Database 12c: SQL Fundamentals, Sololearn, Nov 2023
References
- Anita Wobil, Head, Credit Analyst, Commercial Banking, 020 813-8610
- Kate Thompson, Head, Consumer Banking, Ecobank Sierra Leone, (024) 337-9704, kthompson@ecobank.com
Timeline
Commercial Credit Analyst
Ecobank Ghana PLC
02.2024 - Current
Digital Channels Manager, ATM Channels
Ecobank Ghana PLC
08.2019 - Current
Merchant Acquiring Support
Ecobank Ghana Limited
04.2017 - 08.2019
Product Manager, Asset Products
Ecobank Ghana PLC
04.2015 - 04.2017
Risk Officer
ECOBANK GHANA LIMITED
06.2011 - 03.2015
Customer Service Officer
ECOBANK GHANA LIMITED
06.2006 - 05.2011
Senior Client Exec. Officer
Pharma Infor Consult
03.2003 - 05.2006
- Certified Digital Finance Practioner, Digital Frontiers Institute, Dec 2024
- Ecobank Credit Risk Masterclass Part 1, Moodys, Aug 2024
- Certified Credit Analyst Programm, National Banking Corporation, July 2024
- Food & Agribusiness banking training program, Rabo AgriFinance, July 2024
- Digital Marketing Foundations, LinkedIn, 2021
- Digital MSME Finance, Digital Frontiers Institute, 08/01/24
- Understanding and Managing Risk, Digital Frontiers Institute, 06/01/24
- CyberSecurity, Digital Frontiers Institute, 04/01/24
- Agent Networks at the Last Mile, Digital Frontiers Institute, 12/01/23
- Data Analytics Training Program and Projects (Excel, MySQL, PowerBI, Python), JOMACS, 02/01/24
- Leading Digital Money Market, Digital Frontiers Institute, 07/01/23
- Oracle Database 12c: SQL Fundamentals, Sololearn, Nov 2023
MBA - MARKETING
GIMPA
Bachelor of Arts (B.A.) - Economics/Geography
University of Ghana
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