Collecting, interpreting and reviewing financial informationPredicting future financial trendsReporting to management and stakeholders, and providing advice how the company and future business decisions might be impactedProducing financial reports related to budgets, account payable, account receivables, expenses etc.Developing long-term business plans based on these reportsReviewing, monitoring and managing budgetsDeveloping strategies that work to minimize financial riskAnalyzing market trends and competitors

• Accountable to the Chief Executive Officer • Develop measures to grow the Credit Department• Improve on the Credit Operations Manual• Training of all Credit Officers at the Head Office and Branches• Redesign and Introduce profitable loan products• Improve deposit mobilization through loans• Improve the Portfolio At Risk • Manage the day to day activities of all credit officersAchievements • Training for 23 Credit Officers was carried out• The loan products were reviewed and re-priced to make it more accessible• Credit Officers were increased from 13 to 23 with the revamping of Ashaiman Branch• Introduced a new product – Community Based loans• Customer base increased from 1,200 to over 7,000 in loans• Loan portfolio also increased from GHS 2.3 million in Ghana cedis to over GHS 6.2 million• PAR >30, was reduced from 43% to 23% within 1 year• Deposit mobilization increased by almost 30% within my first year. • Financial literacy training was organized for about 500 entrepreneurial women• Help in Branch expansions: Zebilla Branch in Upper East Region and Pokuase and revived Ashaiman Branch in The Greater Accra Region

• Ensured smooth operations by managing office workflow and administrative processes.• Led a team of 5 other managers and reports to the Chief Executive Officer. These were: Credit Manager, Business Dev't. Officer, Key Account Officer and 2 Branch Managers• Provided documentation of all processes and ensured compliance with regulations and company policies. Such as Accounting Manual, Operations & Credit Manual, Audit Manual, HR Manual and Deposit Mobilization Manual• Develop, design and implement the strategic plan in the most efficient and cost effective manner. • Created new revenue streams and recruited talented staff for branch offices. These include; Group and Individual loans, Security Deposit and Credit Insurance products• Recruited and hired talent for all operations and service delivery and managed branch offices by mentoring and cross training new leadership as part of succession planning. Achievements Obtained license to operate a micro finance institution from Bank of GhanaBranches: 2 Borrowers: 2,525 Gr. Loan Portfolio: GHS 3.2 million Security Deposit: GHS 721,000Portfolio At Risk (PAR>30): 1% Staff strength: 1495% female base clients

• Ensured smooth operations by managing office workflow and administrative processes.• Led team of 8 other leaders reporting to the Board of Directors. These were: Operations & Credit Manager, Accounts Manager, HR Manager, Business Dev't. Manager, Key Account Manager and 3 Branch Managers• Provided documentation of all processes and ensured compliance with regulations and company policies. Such as Accounting Manual, Operations & Credit Manual, Audit Manual, HR Manual and Deposit Mobilization Manual• Develop, design and implement the strategic plan in the most efficient and cost effective manner. • Created new revenue streams and recruited talented staff for branch offices. These include; Group and Individual loans, Security Deposit and Credit Insurance products• Recruited and hired talent for all operations and service delivery and managed branch offices by mentoring and cross training new leadership as part of succession planning. Achievements Obtained license to operate a micro finance institution from Bank of GhanaBranches: 3 Borrowers: 3,200 Gr. Loan Portfolio: GHS 5.2 million Security Deposit: GHS 1 millionPortfolio At Risk (PAR>30): 3.2% Staff strength: 32 (90% female base clients)

• Reports directly to Executive Director• Focal point of representing the company on specific subjects • Collaborating with other national and international organizations• Report to foreign investors on growth of organization with Management Information System• Renting and establishing branches at operational areas• Printing of ASA Ghana documents for operations• Implement ASA Bangladesh model of microfinance• Help with the development of ASA Manual which entails operations, administration, accounts, audit and field operational activities• Staff recruitment, training and appointment• Responsible for both staff and client welfare• Staff deployment to ASA Ghana branches• Set target and achievement benchmark for every branch• Prepares fund plan – quarterly, half yearly and yearly• Prepare monthly loans and savings report for management• Develop Loan Recovery Strategies• Prepares Management reports and MIS information for quick decision making by management• Total administrative support to managementAchievements• Currently became ASA Savings and Loans Ltd with full capitalization of GHS 7 million• Currently supervising the following portfolio Total number of depositors (100% female) 74,820 Total number of borrowers (100% female) 70,009 Amounts of depositors (GHS) 13,690,371 Outstanding Loan portfolio (GHS) 35,098,588 Portfolio at risk >30 days 0.32% Staff strength 348

• Prepare monthly financial statements • Prepare Bank Reconciliation Statements• Prepare yearly financial plan for our operations• Report to foreign investors on growth of organization with Management Information Systems• Liaise between ASA International and its various bankers both local and foreign• Prepare yearly expansion programs (branch expansion)AchievementsAccounts Department• Prepare financial reports on monthly, quarterly, bi-annually and yearly for ASA Ghana (ASA S&L) for auditing purposes• Coordinate all ASA S&L’s 60 bank accounts with other banks in the country and preparing bank reconciliation accountsI am solely responsible for staff deployment to other ASA Ghana branches, renting and establishing branches at operational areas, printing of ASA Ghana documents for operations, implement ASA Bangladesh model of micro finance, set target and achievement benchmark for every branch, prepares fund plan – quarterly, half yearly and yearly, prepare monthly loans and savings report for management, etc• Prepare MIS information for quick decision making by management• Reports directly to Executive Director