Summary
Overview
Work History
Education
Skills
Accomplishments
Software and Applications
Affiliations
Activities and Interests
Additional Information
Timeline
Generic

Michael Atsu Ametameh

Accra

Summary

I am versatile business leader with 10+ years' experience in the Banking and Payments industry, driving growth, client satisfaction, and commercial expansion across West Africa. Proven ability to lead credit administration, design digital financial products, and build strategic partnerships with regulators, MMOs, MTOs Telecoms, Banks, and card schemes like Visa and Mastercard. Skilled in supporting financial inclusion initiatives, especially in rural and peri-urban areas, and effective in cross-cultural and remote team environments.

Overview

17
17
years of professional experience

Work History

Manager, Service Acquisition

Halges Financial Technologies Ltd (Korba)
02.2024 - Current
  • Oversee and manage strategic partnerships with key stakeholders, including Mobile Money Operators (MMOs), Money Transfer Organisations, (MTOs)Telecom Operators, Banks, Insurance Companies, and Global Card Schemes such as Visa and Mastercard.
  • Lead the acquisition and onboarding of new service providers, ensuring full integration of their offerings into all distribution channels.
  • Ensure seamless service deployment across Self-Service (Mobile Apps), Assisted Service (Agent Network), and Corporate Business channels.
  • Drive cross-functional collaboration with technical, operations, compliance, and product teams to meet service-level objectives and support scalable implementation.
  • Negotiate commercial terms, optimize cost structures, and monitor partner performance to align with company goals and regulatory standards.

Business Development and Partnerships Manager

CrownCity Technologies Limited
02.2022 - 12.2023
  • Developed and executed business development strategies to grow SaaS revenue through white-label solutions targeted at banks, microfinance, and savings & loans institutions.
  • Conducted market research and competitive analysis to propose analytically grounded, data-driven business solutions.
  • Designed and deployed digital credit products tailored to financial institutions, contributing to increased adoption and recurring revenue.
  • Integrated third-party Fintech solutions to enrich product features and boost average revenue per user (ARPU).
  • Spearheaded merchant acquisition initiatives under a reseller arrangement with Cellulant, expanding payment service offerings and increasing merchant network reach.
  • Managed global and in-country partnerships to scale user acquisition and enhance product-market fit.
  • Collaborated cross-functionally with internal teams (product, compliance, operations, integrations) to ensure end-to-end service deployment and partner satisfaction.

Resident Advisor

Emergent Payments Africa
02.2020 - 07.2022
  • Facilitated the onboarding and training of mobile money agents across rural and peri-urban areas to support digital financial services delivery, including customer enrollment, cash handling, and digital literacy.
  • Supported rural banks and microfinance institutions in deploying the Maximus digital banking platform to streamline their operations and improve customer access to financial services.
  • Led the digitization of community and solidarity loan groups, enabling digital disbursement and repayment of loans via mobile channels to increase transparency and reduce operational overhead.
  • Enabled savings and withdrawal functions for group members through digital wallets, enhancing financial inclusion and promoting safer money management practices in underserved areas.
  • Monitored agent and group performance, conducted regular field visits, and provided ongoing capacity-building to ensure sustained platform adoption and operational excellence.
  • Developed strong relationships with residents, fostering a supportive and inclusive living community.

Business Development Manager, Workplace Banking

Bayport Savings and Loans PLC
10.2018 - 12.2019
  • Prospected and onboarded businesses across diverse sectors to offer tailored employee financial wellness solutions, including loans, investment products, and insurance packages.
  • Established and managed workplace banking relationships with key institutions such as Blue Skies, SEL Oil, the University of Winneba, and the Ghana Armed Forces.
  • Delivered engaging on-site financial education sessions and customized presentations to employees, promoting uptake of financial products aligned with their needs.
  • Collaborated with product, credit, and operations teams to ensure smooth rollout of salary-backed loans and benefit schemes, contributing to increased portfolio growth and customer satisfaction.

Branch Manager

Bayport Savings and Loans PLC
09.2015 - 09.2018
  • Conducted detailed credit assessments and cash flow analyses to evaluate customer risk profiles and ensure sound lending decisions, aligning with institutional credit policy.
  • Oversaw the full spectrum of credit administration, from loan origination to disbursement and recovery, ensuring compliance with regulatory and internal controls.
  • Championed deposit mobilization strategies through community engagement, corporate outreach, and bundled product offerings, contributing to consistent branch deposit growth.
  • Developed and executed annual branch business plans with a focus on revenue growth, cost efficiency, and profitability optimization, positioning the branch among the top performers regionally.
  • Administered and monitored digital credit products at the branch level, gathering customer and operational feedback to support continuous improvement of product features and user experience.

Relationship Manager

Consolidated Bank of Ghana
01.2013 - 08.2015
  • Managed a diverse portfolio of SME and corporate clients, providing tailored financial solutions to meet their evolving credit, transactional, and investment needs.
  • Conducted in-depth credit analysis including financial statement reviews, cash flow forecasting, collateral evaluation, and risk assessments to support credit decisions.
  • Oversaw the end-to-end credit administration process, from facility structuring and documentation to loan disbursement and monitoring, ensuring full compliance with internal policies and regulatory standards.
  • Designed and executed deposit mobilization campaigns targeting high-value accounts, contributing to sustained double-digit growth in deposit balances over six consecutive quarters.
  • Acted as the primary relationship contact for clients, deepening engagement through regular business reviews, while identifying upselling and cross-selling opportunities across loan, treasury, and trade products
  • Built and maintained relationships with new and existing clients while providing high level of expertise.

Branch Manager

VisionFund Ghana
11.2010 - 12.2012
  • Led the mobilization and financial empowerment of women-led loan groups, providing access to microloans and financial literacy as part of integrated programs with World Vision.
  • Chaired the branch credit committee, evaluated loan applications, and approved group and individual loans within delegated authority limits.
  • Oversaw loan portfolio administration, including disbursement, repayment monitoring, and delinquency control, ensuring high repayment rates and sustainability.
  • Conducted periodic assessments of borrower performance and provided feedback to improve product suitability and delivery in remote, underserved areas.

Credit Officer

Options Microfinance Ltd
01.2009 - 10.2010
  • Prospected and built a portfolio individual and small business clients, providing access to microloans tailored to their income patterns and business cycles.
  • Conducted loan assessments and credit appraisals, including cash flow analysis and site visits, to evaluate borrower eligibility and minimize default risk.
  • Managed loan disbursement, repayment tracking, and delinquency follow-up, ensuring adherence to credit policies and maintaining portfolio quality.
  • Prepared daily and monthly reports on loan performance and client trends, and collaborated with finance teams on account reconciliation and reporting accuracy.
  • Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.

Education

Masters - Fintech Management

Noble International Business School
Accra
11-2025

Bachelor of Arts - Sociology and Information Studies

University of Ghana
Accra
05.2007

SSSCE - Business Accounting

Adonten Secondary School
Aburi
08.2002

Skills

  • B2B sales expertise
  • Credit and financial assessment skills
  • Effective presentation skills
  • Team leadership
  • Enterprise lending expertise
  • Digital payment solutions
  • Merchant Acquisitions
  • Cross-border payments (Remittances)
  • Strategic negotiations and partnerships
  • Strategic account management
  • Stakeholder relationship management
  • Sales growth strategies
  • Strong verbal communication skills
  • Cross-functional team leadership

Accomplishments

  • Inclusive Digital Economic Development, Digital Frontiers Institute – April 2024
  • Skills Level (Partly), Association of Certified Chartered Accountants (ACCA) – June 2013
  • Driver's License, DVLA – August 2012
  • Credit Administration Professional Training, Ghana Banking College – March 2016
  • Bank Branch Competencies, Osei Tutu II Centre – April 2017
  • Credit & Financial Management for MFIs, GAMC & World Bank – September 2012
  • New Managers Program, GIMPA – February 2011

Software and Applications

  • Office 365 and Google Workspace
  • Mambu Banking Application
  • Maximus (Digital Banking Platform)
  • Clickup
  • Notion
  • Slack
  • Trello

Affiliations

English

French (Basic)

Ewe

Ga

Hausa

Twi

Activities and Interests

Volunteer with Let's Do It Ghana – focus on coastal environmental cleanup.
Avid football fan and table tennis player. Enjoys travel and exploring new cultures.

Additional Information

Available upon request

Timeline

Manager, Service Acquisition

Halges Financial Technologies Ltd (Korba)
02.2024 - Current

Business Development and Partnerships Manager

CrownCity Technologies Limited
02.2022 - 12.2023

Resident Advisor

Emergent Payments Africa
02.2020 - 07.2022

Business Development Manager, Workplace Banking

Bayport Savings and Loans PLC
10.2018 - 12.2019

Branch Manager

Bayport Savings and Loans PLC
09.2015 - 09.2018

Relationship Manager

Consolidated Bank of Ghana
01.2013 - 08.2015

Branch Manager

VisionFund Ghana
11.2010 - 12.2012

Credit Officer

Options Microfinance Ltd
01.2009 - 10.2010

Masters - Fintech Management

Noble International Business School

Bachelor of Arts - Sociology and Information Studies

University of Ghana

SSSCE - Business Accounting

Adonten Secondary School

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Michael Atsu Ametameh