Charles Emiola is responsible for the shared services functions of UMB Capital, comprising Human Resource Management, Information Technology, Marketing, Finance, Legal, and Compliance. He heads a shared service centre, which is a consolidation of the business operations that provide professional services to its Clients.

Prior to this role, Charles worked with Stanbic Bank Ghana Limited for about 14 years in various positions in Corporate Banking, Credit Risk Management and Business Support. Most recently, he was responsible for managing the bank’s distressed assets; here he headed up the Corporate Recovery team and demonstrated leadership expertise in debt restructuring, turnaround, risk management and cost control.

Charles also has experience in the mining industry having worked as Project Engineer for Taywood Mining for about 2 years, before moving to the banking industry.

He has a First Class Honours degree in Mining Engineering from the Kwame Nkrumah University of Science & Technology and an MBA from the University of Buckingham in the UK.

Nana Ama Pokuaa Ayiku is an experienced Human Resource Management practitioner with over ten years’ post-qualification experience in Human Resource Management. She has held several senior positions of HR in various industries such as Technology, Real Estate and Pharmaceutical.
She has also consulted for companies like Breakthrough Consult and Tano Consult where she offered bespoke HR solutions to the clients of these companies. She was the first HR Manager, General Manager and HR Director at TXT GHANA Ltd (GROUP) and was responsible for the setting up of all the HR systems, strategies, policies, procedures, and programs during a period of rapid expansion of the company.
As a passionate HR professional, she endeavours to deliver high morale and motivation of staff, ensures the right competencies and attitudes of employees towards work is right and strives for a high- performance culture for the benefit of all stakeholders. Nana Ama is passionate about singing and is also a Wellness Coach. She is married with two daughters.

Ernestina Kufuor is a dynamic and results-oriented professional with over nine years of experience in Ghana’s investment industry. She currently serves as the Head of Marketing at UMB Capital, where she leads the strategic direction of the firm’s marketing and communications efforts, ensuring the brand remains aligned with client needs and industry trends.

Ernestina’s career began at UMB Capital as a Client Service Executive, where she developed a strong foundation in customer relationship management and front-line engagement. She later progressed into a dual-capacity role as Senior Analyst, Pensions & Institutional Funds, where she was responsible for both business development and operational management. In this role, she successfully sourced institutional clients, managed fund operations, conducted financial analysis, and ensured adherence to regulatory requirements.

In her current role, Ernestina draws upon her combined experience in investments, client service, and strategy to lead marketing initiatives that reflect both industry insight and customer needs. She collaborates closely with cross-functional teams to drive brand visibility, improve communication effectiveness, and maintain consistency across all external messaging.

Ernestina holds a Master’s degree in Development Finance from the University of Ghana Business School and a Bachelor’s degree in Business Administration from Ashesi University College. She is licensed by the Ghana Stock Exchange, having completed the Ghana Securities Industry Association (GSIA) course, and also holds a Customer Service certification from the National Banking College — reflecting her strong commitment to professional development and service excellence.

Known for her strategic mindset, communication strength, and client-centric approach,

Ernestina continues to drive innovation, engagement, and value creation at UMB Capital LTD.

Joseph Osapah Mankoe, Jnr. is an experienced IT professional with over a decade of experience in corporate IT and financial technology. Currently serving as the Head of Information Technology at UMB Capital, He oversees the strategic direction and daily operations of the company’s IT and cybersecurity infrastructure.

In this role, he leads critical initiatives aimed at enhancing system resilience, regulatory compliance, and digital transformation across the organization.’’

Nelson Cudjoe Kuagbedzi is the Head of Finance and Accounts at UMB Capital Ltd and also oversees the Finance and Accounting functions of the affiliated companies. Before joining UMB Capital, Nelson worked with Jins Savings and Loans as Head of Finance and Investment and SIC Brokerage as an Investment Analyst and Business Development Officer in charge of the Francophone Capital Markets (BRVM and BVMAC). He also worked with Resitech Ghana Limited as a Finance officer.
Nelson is a Chartered Accountant and a Chartered Tax Practitioner. He is a member of the Institute of Chartered Accountants Ghana (ICAG) and the Chartered Institute of Taxation Ghana (CITG). He holds Bachelor of Science degree in Finance from the Mouloud Mammeri University in Algeria and an MPhil in Corporate Finance from the same University.
He also has an MBA in Financial Management from the Ecole Supérieure de Gestion (MBA ESG) in Paris, France. He has an Executive Certificate in Pensions Management from the African University College of Communication Studies (AUCC) in Accra as well as the Ghana Stock Exchange (GSE) Securities industry Certificate.
Nelson is also a Teacher by Profession and holds a Diploma in Education from the University of Cape Coast. He taught in GES for 3 years.
Nelson is trained and certificated in Leadership, Performance and Organizational Management. He was the former President of Teacher Trainee’s Association of Ghana-Volta Sector, Former President of NUGS-Algeria and also the Former President of Pan African Student Movement in Tizi-Ouzo-Algeria.