Ebo Bhavnani
Banker
P.O. Box SK 508, Sakumono, Tema, Ghana
Summary
Solutions-driven professional with over 15 years of Business Development experience that spans two corporate worlds:- Aviation and Banking. Possess strong understanding of business growth and revenue generation and optimally exploits new and existing opportunities in the market space to achieve significant increase in revenue and market share.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Branch Manager
Korle-bu, FBNBank (Ghana) Ltd
10.2019 - Current
- Overseeing Retail, Commercial and Premium banking portfolios. Achieved over 100% of Retail and Commercial banking deposit targets by half year 2023.
- Formulating and implementing sales and marketing strategies to achieve deposit, loan and trade targets. Increased deposit and trade transactions by 42% and 75% respectively.
- Promoting the bank’s products and services to attract consumers. Customer transactions have increased by 50% due to enhanced brand and product awareness.
- Preparing financial and operational reports to assist management with business strategy.
- Assessing employee performance and developing improvement plans to remedy shortfalls
- Complied with regulatory guidelines and requirements. Achieved 99% compliance score.
Business Development Manager
FBNBank (Ghana) Ltd
01.2018 - 09.2019
- Supervised and co-ordinated activities of relationship managers to develop retail banking businesses. Obtained 35% more high net worth customers within the period.
- Created and implemented strategies to expand existing customer portfolio and improve revenue. This resulted in a 50% increase in profit compared to previous year.
- Drove performance for liability generation and quality risk asset creation. Attained 75% of deposit budget and exceeded loans and advances target by 45%.
- Explored new and existing opportunities in the market space and ensured significant increase in market share. Increased trade transactions by 40% at end of Quarter 3, 2019.
- Maintained a friendly and professional customer interaction resulting in 100% retention of premium customers.
Branch Manager
Ring Road Central, FBNBank (Ghana) Ltd
12.2015 - 12.2017
- Generated new businesses and improved revenue, profit and market share. Increased deposits portfolio from GH¢ 28million to GH¢ 42million in 6 months.
- Formulated and executed strategies and programs to create brand and product awareness. Fulfilled 80% penetration rate and re-activated 70% of dormant accounts within the period.
- Adhered to high ethical standards and complied with all audit and regulatory policies. Achieved 98% compliance score year on year
- Reduced process bottlenecks and implemented service improvement strategies to enhance sales. Decreased daily transactional errors and customer complaints by up to 80%.
Head, E-Business, Educational Institutions
Guaranty Trust Bank (Ghana) Ltd
01.2015 - 04.2015
- Initiated and promoted GTBank’s electronic payment products dubbed (GTPay & GTCollect) to public and private educational institutions. Achieved 75% penetration rate year on year
- Identified key prospects and organized presentations for possible sign-on and integration of GTPay platform for fees collections. Integrated University of Ghana unto the platform
- Formed marketing strategies and I.T solutions for the deployment of GTPay platform to educational institutions. Introduced GTPay to 90% of targeted institutions within 4 months.
Head, Public Sector
Guaranty Trust Bank (Ghana) Ltd
02.2013 - 12.2014
- Built and maintained relationships with key government officials, agencies, and decision-makers to attract business opportunities.
- Conducted market research and gathered intelligence on public sector trends, policies, and initiatives to inform business development strategies.
- Partnered state institutions to provide efficient revenue collection system through the bank’s robust revenue collection platform.
- Managed a GH¢100 million portfolio comprising funds from state institutions and generated over GH¢ 1million in commission and fees to the bank on yearly basis.
Branch Manager
Opera Square, Guaranty Trust Bank (Ghana) Ltd
12.2009 - 01.2013
- Set up Opera Square Branch of GTBank. In charge of a 15-member team managing branch operations and implementing strategies to meet financial and operational goals.
- Met revenue target and made profit within 7 months of operations. Adjudged fastest growing branch in 2010
- Oversaw a GH¢ 10million deposit portfolio. Aggressively marketed and cross sold bank products and services to both Retail & SME customers.
- Formulated sales strategies to penetrate new and existing markets and ensured profitability of the branch through cost control and revenue generation.
Branch Manager, Labone
Guaranty Trust Bank (Ghana) Ltd
07.2009 - 11.2009
- Created strategies to develop and expand new and existing customer transactions resulting in 15% increase in profitability and 10% growth in market share.
- Resolved various issues impacting sales management and business operations. Attained 20% growth in deposits and 30% increase in Retail and SME customers.
- Reviewed team activities and performance reports and took appropriate action to remedy shortfalls and gaps.
Relationship Manager, Aviation & Public Sector
Guaranty Trust Bank (Ghana) Ltd
02.2007 - 07.2009
- Set up and administered GTBank’s Aviation and Public Sector department which has become two of the leading income generating units for the bank.
- Succeeded in winning key contracts/accounts for GTBank including American Airlines and Delta Airlines Inc. Signed on major public sector and aviation companies within the period.
- Spearheaded GTBank’s successful bid to provide visa fee collection services for British, Belgium, Ireland and Italy embassies.
- Prepared deposit, loan and profit budgets and executed strategies to accomplish them.
Head of Marketing
South African Airways
05.2005 - 10.2006
- Designed a marketing plan and added new businesses by nurturing existing relationships and acquiring new clients through referrals.
- Launched and implemented key marketing activities including media campaigns, promotions, public relations etc to ensure overall brand visibility.
- Boosted sales and customer loyalty through incentive programs leading to 30% growth in ticket sales.
- Maintained friendly and professional engagement with Travel & Tour agencies to maintain ticket sales.
Education
MBA - International Business
University of Delaware
Newark12.2020
MSc - International Marketing Management
University of Leeds
Leeds11.2003
MPhil - International Relations
University of Cambridge
Cambridge12.2002
BA (Hons) - Political Science
University of Ghana
Accra, Ghana06.1999
Skills
- Sales & Marketing expertise
- Banking
- Revenue generation
- Customer Acquisition skills
- Customer Relationship Management
- Staff Management skills
- Strong Interpersonal skills
- Team Player
- Proficiency in MS Office
- Excellent Work Ethic
- Excellent Written & Verbal Communication skills
- Excellent Team Leadership skills
- Employee Development
- Time Management
- Problem solving
- Community Relations
Accomplishments
- Awarded Dean’s Merit Scholarship, University of Delaware, USA, 2015 - 2020.
- Elected Fellow of the Chartered Institute of Marketing, United Kingdom, November 2014.
- Awarded the prestigious Department for International Development (DFID) scholarship in 2001 to study MPhil International Relations in Cambridge University.
Additional Information
Student Mentor; Commonwealth Scholarship Commission Voluntary Mentorship Program
Successfully mentored a Commonwealth Scholar pursuing a Master's program at Oxford Brooks University during the 2021/22 academic year as part of the Commonwealth Scholarship Commission (CSC) Mentorship program.
Main Speaker; LUP Consult Level Up Conference
Main speaker for the Level Up conference 2021 edition held in Accra to support young men and women develop and sharpen their leadership and entrepreneurial skills. Spoke on the topic “developing employability skills through volunteering and internships"
Languages
English
Bilingual or Proficient (C2)
Fanti
Bilingual or Proficient (C2)
Twi
Bilingual or Proficient (C2)
Certification
- China Europe International Business School (CEIBS)/FBN Bank Customer Experience Management Training program, May 2023
- Chartered Marketer (CM) - Chartered Institute of Marketing Ghana (CIMG), April 2023
- Postgraduate Diploma in Marketing - Chartered Institute of Marketing (CIM) UK, June 2004
Affiliations
- Member; Alumni UK, March 2022 – Present
- Member; Oxford and Cambridge Society of Ghana, January 2016 – Present
- Member; Chartered Institute of Marketing Ghana, November 2014 – Present
- Member; Commonwealth Scholars and Alumni, United Kingdom, October 2001- Present
Timeline
Branch Manager
Korle-bu, FBNBank (Ghana) Ltd
10.2019 - Current
Business Development Manager
FBNBank (Ghana) Ltd
01.2018 - 09.2019
Branch Manager
Ring Road Central, FBNBank (Ghana) Ltd
12.2015 - 12.2017
Head, E-Business, Educational Institutions
Guaranty Trust Bank (Ghana) Ltd
01.2015 - 04.2015
Head, Public Sector
Guaranty Trust Bank (Ghana) Ltd
02.2013 - 12.2014
Branch Manager
Opera Square, Guaranty Trust Bank (Ghana) Ltd
12.2009 - 01.2013
Branch Manager, Labone
Guaranty Trust Bank (Ghana) Ltd
07.2009 - 11.2009
Relationship Manager, Aviation & Public Sector
Guaranty Trust Bank (Ghana) Ltd
02.2007 - 07.2009
Head of Marketing
South African Airways
05.2005 - 10.2006
MBA - International Business
University of Delaware
MSc - International Marketing Management
University of Leeds
MPhil - International Relations
University of Cambridge
BA (Hons) - Political Science
University of Ghana
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