Chief Executive Officer

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Frederick Amuaful is the Chief Executive Officer of Perfect Time Micro-Credit Services. He holds Master’s Degree (MBA Finance) from Coventry University (UK) and first Degree in Accounting from University of Cape Coast. He is also a student of Association of Certified Chartered Accountant (ACCA), UK; as well as a student of Chartered Financial Analyst (CFA), USA. He also have certificate in Financial Modeling.

Prior to forming Perfect Time Micro-Credit Services, he was the team lead, Risk Management at the Seed Funds Savings and Loans Company ltd. He also worked as the Head of Credit at McOttley Money Lending, a subsidiary of McOttley Holdings. He was also a board member to Nene Foods Company ltd. He was very instrumental in the restructuring and the development of policies and procedures for the credit department. He was able to identify lots of loopholes and got those loopholes sealed to improve upon profitability. In less than six months after joining the company, he led his team to achieve award for exceeding loan recovery targets.

He started his career with ProCredit (Ghana), now Fidelity Bank, as a loan officer in 2008, the same year that he completed his first degree. Whilst as a loan officer, he received award as exceptional performer. He rose through the rank very quickly over his four and half years’ stay with the company. He rose to Credit Analyst, Medium Credit Analyst for the southern part of the country and finally as Credit Risk Screening Specialist. All of these upward movement in the career was as a result of his exceptional performance coupled with excellent analytical skills, critical thinking abilities, positive attitude towards work, and result oriented approach. He identified key loopholes that saved the institution from serious income leakages which ultimately improved upon the profitability of the company. He was very instrumental in the training and coaching of most of the credit analysts in the institution and made lots of recommendations which lead to further strengthening of policies and procedures, especially, in Risk Management

He was poached to Union Savings and Loans, now Ominibank as the Credit Risk Coordinator at the head office. Most of the forms and templates, policies and procedures were developed by him. In less than a year, he moved on to BEIGE Capital Savings and Loans as the only Lead Business Analyst in which he lead a team of relationship officers and business analyst. He later got promoted as credit analyst at the Risk Management Department at the head office.

He has couched a reputation for himself in most of the institutions that he has worked for as firm team leader, critical thinker with exceptional analytical skills and proven problem solving abilities which goes all out to get things done irrespective of the obstacles.

With this knowledge, skills, competencies and exposure in various financial institutions in the Country, he is right placed  to excel in leading a competent team to achieve success for Perfect Time Micro-Credit Services to make a mark in the industry and  contribute to the growth of the economy.