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Management Team





Ben is an Accountant by profession. He founded Express Capital(now Direct Savings & Loans) in 2012 after moving to Ghana. Prior to this he spent most of his professional life working with the international Accounting firm, Deloitte & Touche in Minnesota, USA, where he worked his way to become Enterprise Risk Services Senior Consultant. Ben has invaluable expertise in auditing, assessing internal controls and risk identification, as well as computer process evaluation and improvement.

He holds a BA (Accounting and Management Information Systems) from Luther College, Decorah, Iowa and an Executive Masters of Business Administration (EMBA) from the China Europe International Business School (CEIBS).

Team Member

Ben Adu-Owusu

Chief Executive Officer

Joshua holds an MBA in Human Resource Management from Sikkim Manipal University and a Bachelor’s Degree in Sociology and Psychology from University of Ghana. He began his career with AngloGold Ashanti. Joshua has over eight years’ experience working as a Human Resource Consultant and also other Management positions in the same field in Institutions such as Olam Ghana Limited, The Capital Group and Lambert Electromec. He has also consulted in recruitment, outsourcing, training and development for Ghana Commercial Bank, ADB, NDK Finance and Barclays Bank.

Joshua is currently pursuing a certification as Senior Certified Practitioner in Human Resource Management practitioner (SHRM -SCP). At Direct Savings & Loans, Joshua is tasked with all aspects of talent management and development as well as overseeing his team.

Team Member

Joshua Asiamah Boafo

Head, Human Resource & Administration

Gabriel joined Express Capital (now Direct Savings & Loans) from Databank after four years as an Investment Analyst. Prior to that he worked at Barclays Bank Ghana Limited. As a dynamic and knowledgeable professional, Gabriel has a track record of demonstrated excellence in the banking industry, where he launched several innovative initiatives in the line of Gold standard customer service, revenue creation and aggressive marketing.

Gabriel holds a Bachelor’s Degree in Business Administration(Marketing) from Central University College, Ghana. Gabriel is in Charge of Treasury Sales soliciting, negotiation, at Direct Savings & Loans.

Team Member

Gabriel Annor Ackah

Head, Treasury Sales

Albert is a Certified Professional Forensic Accountant from the Institute of Certified Forensic Accountants, Canada, a Member of the Institute of Chartered Accountants, Ghana and a graduate from the University of Cape Coast School of Business. He began his working career at Twifu Oil Palm Plantations Limited as an Account Assistant. Albert later joined AYK Associates as an Audit Associate but was promoted to Audit Manager owing to his immeasurable contributions to the firm.

He has great depth of experience in auditing, accounting, risk assessment, internal control review, taxation and management consultancy. At Direct Savings & Loans, Albert oversees the Internal Audit role in the Corporate Governance Structure of the business.

Team Member

Albert Amo Mensah

Head, Internal Audit

Zenobia began her career with HSBC Bank, UK, as an Advance Specialist. After moving to Ghana, she joined ProCredit Savings & Loans Company Limited as Executive Assistant to Management Board and later became Strategic Marketing Coordinator in the Marketing Department. Prior to Joining Express Capital(now Direct Savings & Loans), Zenobia worked with the Brand & Corporate Communication Department of Fidelity Bank.

Zenobia holds a Master’s in Business Administration from Canterbury Christ Church University, UK and a Bachelor of Science Degree in Land Economy from the Kwame Nkrumah University of Science and Technology. Zenobia brings on board International banking, customer service and marketing experience. At Direct Savings & Loans, she is responsible for the institution’s Corporate Affairs and Marketing Department.

Team Member

Zenobia Darkwa

Head, Corporate Affairs & Marketing

Augustine is an IT professional with over twelve years of experience. His area of expertise includes IT Capacity building, Systems Implementation and management, Management Information Systems (MIS), Reporting systems and Applications Programming.

As a team leader at Groupe Nduom, he led a team of developers to create and deploy industry standard financial and client specific applications. He has worked with eTranzact as Application Developer and IT Support, Pan-African Savings & Loans as Systems Applications Developer, Women’s World Banking Ghana as Database Administrator and NIIT Ghana as Academic & Technical Administrator and Senior Software Lecturer.

Augustine holds a Bachelor of Science degree in Information Technology from BlueCrest University College, Ghana. He also holds a professional diploma in Software Engineering (Microsoft Technologies) and Honor’s Diploma in e-Technology computing from NIIT Ghana. Augustine is passionate about IT and is currently studying for certification in Ethical Hacking. He is responsible for the IT & Innovation department at Direct Savings & Loans.

Team Member

Augustine W. Ekow-Bruce

Head, IT & Innovation

Kwarteng Amaning Basoa is a finance and accounting professional. He has over ten years working experience in branch and regional supervisory roles from varied financial institutions which has given him a good strategic appreciation and vision to build and implement elaborate plans wherever he finds himself.

He holds an MSc International Accounting and Finance from Bucks New University and BSc Accounting and Finance from the University of London. Basoa is Currently the Head of Business at Direct Savings and Loans Limited.

Team Member

Kwarteng Amaning Basoa

Head, Business