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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

Vincent M. K. Wornyo has been in the banking industry for more than 14 years. He has a wealth of experience in Strategic Management and Leadership, FinTech, Enterprise Risk Management including Compliance, Financial Risk (Credit, liquidity, Interest Rate and Procurement), and Operational Risk Management including Business Continuity Management.

He spent most of his working life at ProCredit Savings & Loans Ghana Limited where he rose from Loan Officer role to Head of Arrears Management and Recovery Department. He then moved to Union Savings and Loans (now OmniBSIC Bank Gh) where he was the Risk Manager responsible for Credit and Operational Risk Management. Prior to his appointment at Direct Savings and Loans, Vincent was the Head of Risk at Afb Ghana Ltd (Letshego Ghana plc).

Vincent holds a Bachelor of Science Degree in Accounting from GIMPA. He is also a Graduate of Management Training Program of the ProCredit Academy.

Team Member

Vincent M. K. Wornyo

Head, Business

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. E. Bruce

Head, IT & Innovation

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