Haleema Twumasiwaa Akyirem
Accra
Summary
Dynamic banking leader with a proven track record at Bank Of Africa Ghana Limited, driving retail transformation and digital innovation. Expert in commercial strategy and customer-centric solutions, achieving a 300% loan portfolio growth. Adept at cross-functional leadership and fostering organizational change to enhance operational efficiency and profitability. Results-driven leader with expertise in driving retail banking transformation, digitalization, and customer-centric solutions. Proven record of enhancing operational efficiency and achieving sustainable growth.
Overview
20
20
years of professional experience
Work History
Group Head, Retail Banking
Bank Of Africa Ghana Limited
01.2023 - Current
- Driving the transformation of retail banking through innovation, digitalization, and customer-centric service models.
- I lead the strategic planning, steering, and coordination of consumer banking, women banking, Product innovation conforming to ESGs, bancassurance and digital product sales across 23 branches nationwide.
- My role focuses on enhancing operational efficiency, expanding digital channels, and delivering superior customer experiences while ensuring sustainable growth in the retail banking segment.
- Drive growth in retail deposits, assets, transactional volumes and fee based income across the physical and digital channels.
- Drive digital adoption, customer onboarding and active usage across all electronic channels.
- Responsible for P & L achievement and management of Financial statements of all branches across Ghana.
- Increase product positioning and customer alignment by reviewing feedback and defining unique value proposition for SME, and Retail banking.
- Lead the roll out of new digital products and services.
- Establishing Women banking across the branches to ensure financial inclusion.
- Identify and capitalize on new market opportunities, partnerships and digital ecosystem to expand retail reach and profitability.
- Identify opportunities for origination and participation in short to medium-term structured trade transactions for SMEs.
- Achieved higher conversion of prospects into long-term client relationships through targeted account planning for top-tier accounts.
- Improved customer relationship by promoting a culture of transformation and engaging commercial banking teams in using sales tools to analyse data and drive strategic interactions.
- Spearheads product design for the commercial banking space as a leading member of Bank Of Africa Group across 18 Bank of Africa subsidiaries in Africa.
Head, Outstations Regional Manager
Bank Of Africa Ghana Limited
01.2014 - 01.2023
- Developing and executing a comprehensive banking strategy across Corporate, SME, and Retail Commercial segments in the Ashanti, Western, Northern, Upper East, and Upper West Regions.
- It requires balancing regional economic strengths with tailored financial solutions, while driving operational excellence across the branch network.
- Expanded the branch network to regions with less presence of the bank contributing to the commercial growth of the bank.
- Strengthened enterprise resilience by equipping clients with tools to manage risk, enhance internal audit practices, and optimise financial planning.
- Led performance transformation initiatives and embedded peak performance principles into culture to foster accountability.
- Advised clients on business development tactics to improve stakeholder engagement / competitive differentiation.
- Provided strategies and directions to Remote Teams across multi diversional Regions through team management and enhanced sales monitoring tools thereby improving profitability.
- Collaborating with other departments of the bank to harness Value chain opportunities for commercial growth.
- Developed strategies to curb Non performing Assets to a minimum threshold across Corporate, Retail and SME ba.
Unit Head Commercial Banking
Amalgamated Bank Limited, Ltd
01.2006 - 01.2014
- Ensured strategic alignment by collaborating with management to synchronise retail initiatives with broader business goals through innovative marketing, communication, and leadership approaches.
- Supported operational efficiency by collaborating cross-functionally with department heads to establish and implement best practices across banking operations.
- Elevated start-up success rates by guiding business modeling, financial planning, and scalable operational frameworks.
- Boosted executive decision-making and strategic clarity through tailored leadership development, coaching, and governance advisory across diverse corporate environments.
- Reduced credit appraisal turnaround time by collaborating with the Group Head to institute automation across the network.
- Expanded loan portfolio by 300% within one year by leading development of SME loan products.
- Achieved a 100% increase in customer acquisition across the network by creating and managing a global marketing forum for BOA Ghana Ltd branches, fostering knowledge sharing and supporting regional expansion.
Education
MBA - Strategic Management & Consulting
Kwame Nkrumah University of Science and Technology (KNUST)
GhanaBSc - Land Economy
Kwame Nkrumah University of Science and Technology (KNUST)
GhanaWest African Examination Certificate -
Archbishop Porter Girls Secondary School
Skills
- Business Development & Growth
- Commercial Strategy Development
- Trade finanace
- Cross-functional Leadership
- Human Resources Management
- Islamic Banking
- Women Banking
- Agency Banking
- Digital Marketing
- Bancassurance
- Product Innovation
- Retail Banking
- SME Banking
- Corporate Banking
- Organisational Transformation
- Change Management
- Risk Management
- Customer-Centric Solutions
Affiliations
- Member, Executive Women Network Ghana
- Faculty Member Corporate Governance, Institute of Chartered Accountants Ghana
- Faculty Member, Public Finance Management, Institute of Chartered Accountants Ghana
- Board Member, Rotary Community Park Kumasi, Kumasi Metropolitan Assembly (2014-2015)
- Training Faculty Member, Significant International Training Systems Ltd
- Board Member, Corporate Social Responsibility Committee, Bank of Africa Ghana
- Member Product Development Committee, Bank of Africa Ghana Ltd
- Risk Management Committee, Bank of Africa
- Member, Gender Advancement Committee
- Member, Management Committee Meeting, BOA
- Member, Retail Banking product development committee, Bank of Africa Ghana Limited
- Member internal Trainers, (Business Development) Bank of Africa Ghana Limited
- Member, Strategy Committee Bank of Africa Ghana Ltd
- Member, The boardroom Africa
- Executive Member, Corporate Social Responsibility Bank of Africa
Career Experience
- Group Head, Retail Banking, Bank Of Africa Ghana Limited, 01/01/23, Present, Driving the transformation of retail banking through innovation, digitalization, and customer-centric service models., Leading the strategic planning, steering, and coordination of consumer banking, women banking, product innovation conforming to ESGs, bancassurance and digital product sales across 23 branches nationwide., Focusing on enhancing operational efficiency, expanding digital channels, and delivering superior customer experiences while ensuring sustainable growth in the retail banking segment.
- Head, Outstations Regional Manager, Bank Of Africa Ghana Limited, 01/01/14, 12/31/23, Developing and executing a comprehensive banking strategy across Corporate, SME, and Retail Commercial segments in the Ashanti, Western, Northern, Upper East, and Upper West Regions., Expanding the branch network to regions with less presence of the bank contributing to the commercial growth of the bank., Strengthening enterprise resilience by equipping clients with tools to manage risk, enhance internal audit practices, and optimise financial planning.
- Unit Head Commercial Banking, Amalgamated Bank Limited, 01/01/06, 12/31/14, Ensured strategic alignment by collaborating with management to synchronise retail initiatives with broader business goals through innovative marketing, communication, and leadership approaches., Supported operational efficiency by collaborating cross-functionally with department heads to establish and implement best practices across banking operations., Expanded loan portfolio by 300% within one year by leading development of SME loan products.
Timeline
Group Head, Retail Banking
Bank Of Africa Ghana Limited
01.2023 - Current
Head, Outstations Regional Manager
Bank Of Africa Ghana Limited
01.2014 - 01.2023
Unit Head Commercial Banking
Amalgamated Bank Limited, Ltd
01.2006 - 01.2014
MBA - Strategic Management & Consulting
Kwame Nkrumah University of Science and Technology (KNUST)
BSc - Land Economy
Kwame Nkrumah University of Science and Technology (KNUST)
West African Examination Certificate -
Archbishop Porter Girls Secondary School