Business Development Senior Manager

JOSEPH AGBEME DEKU

P.O. Box CT ****, Cantonments, Cell: 024*-***-***/020*******, e-mail: *******@*****.*** Career Objective

A Banking professional with over 15 years of experience in Business Development in Banking and operations within Credit Risk Environment spanning Special Asset Portfolio Monitoring, Remedial Management and Recovery. I am seeking a challenging role within a forward-thinking financial institution where I can leverage my expertise in special assets portfolio management, stakeholder engagement, and regulatory compliance to deliver customer-centric solutions. My objective is to contribute to the bank’s strategic goals while fostering innovation, operational efficiency, and continuous professional development in a dynamic and collaborative environment. Ensure adherence to all regulatory and internal credit risk policies. Liaise with compliance and legal teams to address regulatory changes and audits. Professional Profile

A versatile, results-oriented individual with a strong passion for excellence and a practical approach to client-specific problem-solving. Proven ability to exceed targets and deadlines across diverse banking functions including Business Development, Asset Portfolio Management, Remedial Management and Recovery.

Employment History

Bank-Wide Asset Portfolio and Remedial Manager

Fidelity Bank Ghana Ltd 2025 – Present

Portfolio Oversight & Strategy

• Develop and implement strategies to maintain a high-quality credit portfolio.

• Monitor portfolio performance and proactively identify emerging risks.

• Lead initiatives to reduce NPLs and improve recovery rates through daily, weekly and monthly portfolio quality review meetings with Regional Business Heads and Teams. Stakeholder Collaboration

• Coordinate with team of Asset portfolio Monitoring, Remedial Management and MIS officers to achieve Department objectives

• Work closely with Area Risk Managers, Credit Managers, and Portfolio Monitoring Managers to ensure consistent credit risk practices.

• Partner with Business Segment Heads to align credit strategies with business growth objectives.

• Coordinate with MIS Analysts to generate insightful reports for decision-making. Performance Monitoring & Reporting

• Oversee the development and delivery of credit portfolio reports to senior management.

• Track key performance indicators (KPIs) related to credit quality, delinquency, and recovery.

Corporate and Prestige Banking Remedial Manager

Fidelity Bank Ghana Ltd 2020 – 2024

• Scheduled biweekly Portfolio Quality Review meetings with Corporate and Prestige Banking units.

• Instituted and monitored recovery action plans for various account segments.

• Liaised with Bank of Ghana Collateral Registry for Notice of Default applications.

• Recommended innovative recovery strategies and managed collateral disposal. Corporate Legal Recovery, Collateral Sale & Write-Off Manager Fidelity Bank Ghana Ltd 2016 – 2020

• Referred delinquent accounts to external lawyers and represented the bank in court.

• Coordinated with auctioneers and legal agents for recovery processes.

• Maintained legal recovery reports and liaised with judicial services. Asset Monitoring & Recovery Officer

Fidelity Bank Ghana Ltd October 2009 – August 2016

• Monitored loan portfolios and conducted customer visits.

• Delivered recovery letters and negotiated rescheduling of facilities.

• Managed receivables and trained interns and national service personnel. Business Development Manager (Sales)

Fidelity Bank Ltd March 2008 – September 2009

• Led and motivated sales team to achieve targets.

• Monitored performance and ensured quality of sourced accounts.

• Trained and supervised new recruits and implemented promotional campaigns. Business Development Ambassador (Liabilities)

Fidelity Bank Ltd June 2007 – February 2008

• Sold banking products and maintained customer relationships.

• Generated prospect lists and prepared activity reports. Business Development Officer

Hope Company Ltd December 2006 – May 2007

• Maintained accounting records and negotiated payment arrangements.

• Visited customers for collections and traced delinquent accounts. Accounts Officer (Vehicle Income Tax)

Ghana Revenue Authority, Accra October 2004 – September 2005

• Assessed tax liabilities and collected payments.

• Resolved discrepancies and prepared tax collection reports. Key Competencies

• Strong communication, analytical, and problem-solving skills

• Results-oriented and self-motivated team player

• Excellent interpersonal relationships and customer service

• High integrity and professionalism

Key Achievements

• Represented the bank in syndication loan recovery strategy sessions

• Won Best Worker Award – Fidelity Bank Sales Ambassador (2007)

• Part of the founding team of the Collections & Recoveries Department

• Recovered 70% of written-off bad debts in assigned portfolio

• Mentored team members now in key positions

• Contributed to policy amendments and departmental manuals

• Consistently surpassed individual and team targets Academic History Institutions Period

Master of Laws (LLM) Corporate and Commercial Law University of Ghana Ongoing Bachelor of Laws Degree (LLB) GIMPA, Accra 2021-2024 Institute of Chartered Accountants, Ghana ICA, Ghana Ongoing MSc. Accounting & Finance (Deferred) KNUST

Association of Chartered institute of Bankers (ACIB), Intermediate Level Introduction to Accounting

Economics in Banking

Principles of Management

Elements of Banking

Management Practices

Quantitative Method for Decision Making

Bachelor of Science Administration, Central University Accounting option Accra 2011

ACCA Part Qualified

F5 Performance management IPS-CCASSIG 2005

F3 Financial Accounting

F2 Financial Information for Management

F1 Accounting in business

ACCA Certified Accounting Technician F M T C, Accra 2004 Courses & seminars attended

Global Law and Business Seminar Columbia Law School, New York City 2025 Moody’s Analytics Credit Reasoning & Writing 2023

Moody’s Analytics Commercial Banking Mastery 2023

Moody’s Analytics Problem Loans 2023

Moody’s Analytics Profitability & Credit Risk 2023 Anti-Money Laundering Training Fidelity Bank Ltd 2012 SME’S Lending National Banking College 2011

Banking induction Fidelity Bank 2010

Certified Credit Administrator (MSME’S) National Banking College 2009 Coaching, Supervision &Team Building Skills Fidelity Bank Ltd 2009 Information Technology Skills

Microsoft word, Microsoft excel, Microsoft PowerPoint, Microsoft Access, Flex cube, Business objects, Gold disc

Awards

Best Employee Awards in Banking Sales excellence Fidelity Bank 2007 Personal Profile

Gender : Male

Nationality : Ghanaian

Date of Birth : 22 March 1982

Marital Status : Married

Interest

Reading job related and professional development articles, listening to good music, and window shopping. Professional References

Lawrence Owusu Kyei Frederick Darko Asamoah

Head, Asset Collections & Recoveries Unit Manager, Asset Collections & Recoveries Fidelity Bank Ltd., Accra Fidelity Bank Ltd, Accra 024******* 020002288

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