Richard is an experienced banking and finance professional with over 10 years' experience and expertise in SME Financing, Product Management, Credit Risk Management and Business Development. He has a strong understanding of, and solid track record in credit policy evaluation and implementation, negotiating business opportunities with clients across sectors, operations management, service delivery and process improvement.
Prior to joining ICA, Richard worked with Bayport Ghana as the SME products Manager with the scope of responsibilities spanning SME credit product governance, product sales, product profitability, training, and conceptualizing product marketing campaign. He also worked with Procredit Ghana, an international development bank group with its head office in Germany that focuses on SMEs development as a Business Client Advisor, providing debt financing and business development advisory to SMEs in Ghana.
Richard holds a Master of Science degree in Financial Risk Management from the University of Ghana and Bachelor of Science in Mathematics from the University of Cape. He is a Certified SME Credit Administrator from the National Banking College and holds the Ghana Securities Industry Certificate (GSIC), awarded by the Ghana Stock Exchange