MUTTY PUMAYA OWUSU-ACQUAH
Tema
Summary
Dynamic banking and financial services leader with over 18 years of progressive experience in branch management, executive banking, customer advisory, and operations within a top-tier multinational bank. Proven track record of achieving double-digit portfolio growth, enhancing credit quality, and optimizing cost-to-income ratios while leading high-performing teams and fostering strong client relationships. Recognized for exceptional analytical judgment, stakeholder engagement, and effective people leadership. Currently pursuing a Certificate in Wealth and Investment Management from the Chartered Institute for Securities and Investment (CISI), complementing an MBA in Leadership and Innovation to further enhance expertise in investment analysis and risk management.
Experienced with managing branch operations and driving team performance to achieve business goals. Utilizes strategic planning and effective leadership to enhance operational efficiency. Track record of fostering strong client relationships and implementing successful financial strategies.
Professional with strong background in branch management. Skilled in enhancing operational efficiency, driving growth, and fostering team collaboration. Known for adaptability to changing needs and effective problem-solving. Expertise in strategic planning, customer service, and financial oversight. Reliable leader focused on achieving results and empowering teams.
Overview
14
14
years of professional experience
Work History
Branch Manager
Stanbic Bank Ghana Limited
Accra, Ghana
09.2020 - Current
- Lead a flagship/high-volume branch with full accountability for revenue, cost management, risk governance and customer experience delivery.
- Scope of Responsibilities:
- Manage total portfolio of approximately GHS200 million equivalent, including deposits and loan book.
- Oversee annual gross revenue exceeding GHS 6–8 million equivalent.
- Lead a team of 15 staff across sales, operations, credit, and customer service.
- Prepare and review branch financial statements, performance reports, and operational dashboards.
- Analyze local market trends to identify new business opportunities and growth segments.
- Facilitate regular staff meetings to align teams with business goals and service excellence standards.
- Maintain full compliance with central bank regulations, AML directives, and internal risk frameworks.
- Facilitate regular staff meetings to align teams with business goals and service excellence standards.
- (Member of Standard Bank Group – Africa’s largest banking group)
- Key Achievements
- Deposit Growth: Increased total deposits by 32% over three years, improving CASA ratio from 48% to 61%, strengthening low-cost funding base.
- Customer Experience: 100% score for Mystery Shopping for two consecutive years.
- Profitability Improvement: Improved branch net profit margin by 21% through cost optimisation and fee-income expansion.
- Cost Efficiency: Reduced cost-to-income ratio from 68% to 54% within two financial years.
- Risk & Control Strengthening: Reduced operational losses by 40% and closed audit findings within SLA timelines.
- Credit Quality: Achieved loan recovery rate of 85%+ on delinquent accounts through proactive monitoring and restructuring.
Executive Banker
Tema, Ghana
08.2012 - 09.2020
- Managed and grew a portfolio of corporate and high-net-worth clients, providing tailored financial and investment solutions.
- Advised clients on investment strategies, including equities, bonds, and other financial instruments. Advised institutional and individual clients on strategy, investment, and growth decisions.
- Identified new business opportunities and supported clients through business expansion and capital structuring.
- Conducted market research and portfolio reviews to support informed investment decisions.
- Maintained strong knowledge of regulatory, legal, and compliance requirements within the financial services industry.
- Achieved consistent business targets through strategic client engagement and relationship building.
Education
Leadership & Innovation
07.2025
Bachelor of Arts (BA) - Sociology
06.2007
Skills
- Core Banking Systems (Finacle)
- Complaint handling
- Active learning
- CRM software
- Problem-solving
- Problem-solving skills
- Time management
- Adaptability and flexibility
- Problem resolution
- Advanced Excel (Financial Modelling, Portfolio Analysis)
- Credit Risk Scoring & Portfolio Monitoring Tools
- Financial Statement & Ratio Analysis
- Salesforce
Affiliations
Member – Chartered Institute of Securities and Investment
CORE COMPETENCIES
- Branch and multi-Product Profit and Loss Management
- Retail, SME and Commercial Banking
- Revenue Growth and Business Development
- Deposit Mobilization and Balance Sheet Growth
- Client Relationship Management
- Financial Analysis and Credit structuring
- Regulatory and Risk Compliance
- Team Leadership and Performance Management
- Audit and Regulatory Engagement
- Investment Analysis and Risk Management
Timeline
Branch Manager - Stanbic Bank Ghana Limited
09.2020 - Current
Executive Banker -
08.2012 - 09.2020
University of Ghana - Bachelor of Arts (BA), Sociology
Edinburgh Napier University - , Leadership & Innovation