FRANCESS P. OWOKONIRAN
Prosper,TX
Summary
Finance, AI, and Business Analytics professional with 8+ years of experience spanning investment banking, financial analysis, fintech, blockchain, customer success, and digital transformation. MBA candidate specializing in Business Analytics with practical experience applying AI to credit risk, fraud detection, explainable AI, and responsible financial services. Proven ability to translate complex financial and AI concepts into practical business solutions that strengthen customer trust, improve operational efficiency, and support strategic decision-making. Passionate about helping organizations leverage data and emerging technologies to build responsible, customer-centered financial products and experiences.
Overview
1
1
Certification
12
12
years of professional experience
Work History
Finance & Customer Success Specialist
Toyota Financial Services
Houston
01.2024 - Current
- Resolved complex lending, payment, and account servicing issues through detailed root-cause analysis, improving first-contact resolution by approximately XX% (replace with actual).
- Investigated payment discrepancies, financing exceptions, and account-related concerns while ensuring compliance with internal financial policies and regulatory standards.
- Simplified complex lending and servicing processes into clear, customer-focused guidance, improving customer understanding and strengthening trust in financial products.
- Recognized for consistently delivering exceptional customer satisfaction and resolving high-complexity financial servicing cases.
- Identified process improvement opportunities that reduced recurring customer issues by approximately XX% (replace with actual).
- Collaborated with cross-functional operations teams to improve customer outcomes and enhance service delivery.
Investment Banking Analyst – Structured Investments
Standard Bank
01.2020 - 01.2024
- Supported structured investment transactions valued at approximately $XXXM+ (replace with actual) through financial analysis, valuation, and investment modeling.
- Developed financial forecasting models that improved portfolio risk visibility and supported strategic investment decisions.
- Built executive dashboards and financial reports that reduced manual reporting effort by approximately XX% (replace with actual).
- Collaborated with treasury, investment, and business teams to optimize portfolio performance and support data-driven decision-making.
- Delivered financial insights that enhanced executive visibility into investment performance and risk exposure.
Blockchain Finance & Analytics Analyst
Jelurida Africa
01.2018 - 01.2020
- Bridged technical development teams and business stakeholders by translating complex blockchain technologies into practical business solutions.
- Translated highly technical blockchain concepts into business language, enabling clients to better understand product value and adoption opportunities.
- Developed SQL and Tableau dashboards that improved visibility into financial and operational performance.
- Collaborated with engineering, product, and leadership teams to support blockchain innovation and emerging AI initiatives.
- Delivered client presentations that improved product understanding and customer engagement by approximately XX% (replace with actual).
Junior Accountant
Audeo Advisories
01.2016 - 01.2018
- Prepared financial statements, reconciliations, and management reports supporting small and medium-sized business clients.
- Assisted with budgeting, forecasting, and cash flow analysis to improve financial planning and reporting accuracy.
- Recommended process improvements that increased reporting efficiency and reduced manual accounting activities.
- Supported business planning through timely financial analysis and management reporting.
Customer Engagement & Financial Services Representative
Union Bank of Nigeria (NYSC)
01.2015 - 01.2016
- Ranked among the highest-performing telesales representatives through consultative selling and exceptional customer engagement.
- Increased campaign conversions by simplifying complex banking products and helping customers make informed financial decisions.
- Built customer trust by communicating financial products clearly while maintaining compliance with banking regulations.
- Recognized for consistently delivering outstanding customer service and relationship management.
Education
Master of Business Administration (MBA) - Business Analytics & Operations Management
St. Bonaventure University
New York, NY01-2026
Master of Science (M.Sc.) - Finance
University of Lagos
Bachelor of Science (B.Sc.) - Banking & Finance
Caritas University
Skills
CORE COMPETENCIES
Finance & Risk
Financial Analysis Credit Risk Financial Modeling FP&A
AI & Business Analytics
Responsible AI Explainable AI AI Governance Business Analytics
Business Strategy
Business Strategy Product Thinking Customer Experience Digital Transformation
Project Leadership
PMP® Agile Project Management Stakeholder Engagement Cross-functional Collaboration
Technical Tools
Advanced Excel SQL Power BI Tableau Jira Microsoft Project
Accomplishments
- Designed a portfolio of AI strategy projects focused on Responsible AI, Credit Risk Modeling, Fraud Detection, and Explainable AI for financial services.
- Recognized for translating complex financial and technical concepts into practical business solutions for both technical and non-technical stakeholders.
- Top-performing telesales representative during National Youth Service at Union Bank Nigeria.
- Successfully bridged finance, technology, and customer experience across banking, fintech, and digital transformation environments.
Certification
- Project Management Professional (PMP)
- AI in Financial Services – University of Oxford (Coursera)
- Credit Risk Modeling & Its Application in Banks (Expected July 2026 / Completed — update when finished)
- IBM Machine Learning with Python (In Progress)
Timeline
Finance & Customer Success Specialist
Toyota Financial Services
01.2024 - Current
Investment Banking Analyst – Structured Investments
Standard Bank
01.2020 - 01.2024
Blockchain Finance & Analytics Analyst
Jelurida Africa
01.2018 - 01.2020
Junior Accountant
Audeo Advisories
01.2016 - 01.2018
Customer Engagement & Financial Services Representative
Union Bank of Nigeria (NYSC)
01.2015 - 01.2016
Bachelor of Science (B.Sc.) - Banking & Finance
Caritas University
Master of Business Administration (MBA) - Business Analytics & Operations Management
St. Bonaventure University
Master of Science (M.Sc.) - Finance
University of Lagos
EXECUTIVE VALUE PROPOSITION
I help organizations bridge finance, AI, and business strategy by translating complex technologies into practical, customer-centered solutions that improve trust, strengthen decision-making, and drive sustainable business performance.
PROFESSIONAL DIFFERENTIATORS
- Strong foundation in investment banking, financial analysis, and customer-focused financial services.
- Proven ability to translate complex AI and financial concepts into practical solutions for technical and non-technical stakeholders.
- Demonstrated commitment to responsible AI through practical portfolio projects aligned with real-world financial services challenges.
- Passionate about designing data-driven solutions that improve customer experience, operational efficiency, and business performance.