Operational Accountant and Financial Analyst with over seven years of experience in end-to-end financial operations, cost control, and internal reporting across various industries. Expert in month-end closings, budgeting, forecasting, and variance analysis. Proficient in aligning accounting processes with business operations to improve accuracy, efficiency, and compliance with IFRS, GAAP, and internal controls. Known for a hands-on approach in managing AR/AP, general ledger reconciliations, and asset accounting. Adept at working cross-functionally to implement operational improvements that support strategic goals.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Operational Risk Analyst
Santander UK Plc
United Kingdom
10.2023 - 05.2025
Operated within the second line of defense, ensuring Ring-Fenced Bank colleagues adhered to the Events & Losses component of the Non-Financial Risk framework and Basel framework methodologies.
Effectively use the right data, reports, and tools for risk analysis and benchmarking, and delivered actionable insights and strategic advice to senior leaders across both lines of defense to support risk-informed decision-making.
Ensured 100% accuracy and timely delivery of regulatory and internal reports for Santander UK, Group, and external bodies.
Report monthly losses and conduct monthly loss forecasting and contributed to group-level financial planning.
Maintained a comprehensive understanding of business-specific risks to assess exposure and impact effectively.
Monitored provisions and ensured management are well-informed regarding their utilization.
Project Accountant
Tomkulak Global Infrastructure System
Canada
07.2023 - 01.2024
Lead the creation of the quarterly and yearly financial statements, MD&A under US GAAP.
Collaborated with project teams, the finance team and interdisciplinary teams to monitor expenses, identify variances, implement corrective actions, ensure financial accuracy and project success.
Develop and maintain budget and cost reports, earned value analysis and assist in the tracking of project change orders and development of projections.
Managed financial documentation related to project execution, ensuring accuracy from initiation to completion.
Accounts Receivable Specialist
1st Locate (UK) Ltd
United Kingdom
09.2022 - 07.2023
Engaged customers with overdue accounts to recover outstanding balances or negotiate favorable settlement terms.
Streamlined receivables tracking and collections processes to improve working capital and cash flow.
Worked collaboratively with internal teams to develop innovative solutions for improved collections.
Structured payment arrangements, resolved payment disputes, and escalated complex issues when necessary.
Credit Risk Analyst
247 Travels & Vacation Ltd
Nigeria
01.2020 - 01.2022
Applied a deep knowledge of the IFRS 9 Expected Credit Loss (ECL) methodology to model, analyze, and report credit risk across several portfolios.
Collaborated across departments to increase understanding of case, align financial objectives with operational goals, fostering transparency, accountability and maintain and enhance controls and governance frameworks.
Liaised with regulators, auditors, banks, and vendors to address inquiries and ensure compliance.
Facilitated strategic supervision and well-informed decision-making by senior executives, by providing enterprise-level governance documents for the allowance and provision for credit losses (ACL/PCL), including comments on trends, important drivers, and deviations.
Financial analysis for business cases to support business decision making including Net Present Value and discounted cash flows.
Contributed to budgeting, creating financial models, forecasting, and long-term financial planning.
Evaluated financial statements and credit reports to determine borrower eligibility and risk levels.
Mentored junior analysts on best practices for credit risk evaluation and data analysis techniques.
Led initiatives to refine risk management strategies, enhancing overall portfolio performance and compliance standards.
Senior Accountant
247 Travels & Vacation Ltd
Nigeria
02.2019 - 01.2020
Reconcile general ledger accounts, including intercompany transactions, ensuring compliance with internal policies and accounting standards.
Mentored junior accounting staff, enhancing their skills and promoting professional development.
Analyzed financial data to identify trends, providing actionable insights for management decision-making.
Assisted in internal and external audits by preparing necessary documentation and responding to auditor inquiries.
Managed quarterly and annual tax filings for the company, ensuring timely submissions and compliance with regulations.
Assisted team members in transitioning to new system through extensive training and one-on-one support.
Accountant
Griffin Ads Group
Nigeria
02.2018 - 01.2019
Maintained accurate general ledger and financial journal records using accounting software.
Delivered financial analysis and forecasts to inform business strategy.
Led month-end closing processes, enhancing accuracy and efficiency.
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.