Morris Kithinji
Financial and business analytics professional with experience across banking, fintech, AI evaluation, and early-stage product development. Skilled in financial modeling, forecasting, variance analysis, KPI reporting, and turning complex financial and operational problems into clear recommendations for decision makers.
Where My Work Comes Together
Beyond the titleI mentor international students through iBuddy, participated as a mentee in the Lerner Executive Mentorship Program, judge student and professional competitions, and volunteer with community organizations. I want the work to be useful, but also grounded, generous, and human.
I Start With The Business Problem
Before building, I try to understand the workflow, the customer pain, and the decision someone needs to make. Good systems start with the real problem, not the tool.
I Turn Signals Into Systems
I use data, customer feedback, automation, and AI to improve how teams work, make decisions, and serve people. The goal is practical impact, not complexity for its own sake.
I Care About The Human Side
My best work comes from listening closely: to customers, operators, students, founders, and communities. I build better when I stay close to the people affected by the product.
Experience Built Close To The Work
I have worked inside customer relationships, sales teams, lending operations, product feedback loops, and startup discovery. That mix is what shapes how I build.
AI Business Analyst
Handshake AI
- Analyze AI-generated finance, operations, and business outputs involving budgeting, forecasting, variance analysis, inventory, accounts payable reconciliation, and executive reporting.
- Review logic, source support, figures, assumptions, and business context to identify reporting gaps, data quality issues, and opportunities to improve analytical accuracy.
- Document failure patterns and process recommendations that improve repeatability, decision quality, and scalable analytical workflows.
Founder & Product Analytics Lead
Vyser
- Lead development of an AI-powered expert marketplace, owning product strategy, frontend and backend development, workflow design, and rapid MVP testing.
- Conduct customer research, usability testing, and competitive analysis to validate user needs, refine onboarding flows, and guide product priorities.
- Build KPI tracking, operating metrics, and financial models to evaluate pricing, resource needs, growth opportunities, and go-to-market decisions.
Research Fellow
NSF I-Corps Northeast & Horn Entrepreneurship | UD
- Conducted 30+ stakeholder interviews with healthcare facilities and non-emergency medical transport providers to understand workflow gaps and operational risks.
- Analyzed scheduling, communication, and broker-based booking processes, then translated findings into product requirements and automation opportunities for a working MVP.
Sales & Marketing Manager
Leja, Fintech
- Analyzed customer, sales, and operational data from 50,000+ users to identify underserved segments, supporting a 20% market share increase within 8 months.
- Monitored acquisition, onboarding, retention, and partnership KPIs while partnering with sales, product, and engineering teams to improve business performance and reporting visibility.
- Led 100+ sales professionals and supported strategic planning, resource allocation, and operational execution across a fast-moving fintech environment.
Commercial Banker
Faulu Microfinance Bank
- Managed an $11M loan and deposit portfolio, reviewing customer financials, repayment trends, credit risk, and portfolio performance to support lending decisions.
- Prepared credit appraisals, financial documentation, and committee recommendations using financial, operational, and market insights.
- Supported rollout of a loan origination system and mobile banking app, reducing approval timelines from 7 to 3 days and increasing digital applications by 20%.
Business Relationship Officer
Jitegemea Credit Limited (Microfinance)
- Managed the lending lifecycle for individual and small-business clients, including onboarding, credit appraisals, approvals, and portfolio monitoring.
- Used customer and market analysis to identify lending opportunities and improve relationship-driven operations for underserved entrepreneurs.
Business Development Officer
Juhudi Kilimo Limited (Microfinance)
- Built a loan portfolio from KES 0 to KES 20M in under 2 years through relationship management, market research, and disciplined execution.
- Identified and onboarded agri-business clients, structuring lending solutions around seasonal cash-flow cycles and risk realities.
Education
M.S. in Business Analytics and Information Management
University of Delaware
Coursework: Machine Learning, Data Mining, Optimization, Predictive Analytics, Data Engineering, A/B Testing
Bachelor of Commerce in Finance
Kenyatta University
Coursework: Financial Accounting, Managerial Accounting, Business Statistics, Micro & Macroeconomics
Products, Ventures & Applied AI
A focused portfolio of live products, MVPs, and prototypes across marketplaces, healthcare logistics, networking, mentorship, AI training data, creative tools, and digital services.
Vyser
Founder & Full-Stack Builder
A live expert marketplace connecting seekers with specialists for paid 1:1 video advice calls across startups, business, technology, fashion, and other expert categories.
Built with expert discovery, booking flows, session management, reviews, earnings dashboards, and an AI layer for notes, pre-meeting prep, question preparation, and post-meeting insights.
CardMeet
Founder & Lead Engineer
AI networking platform with NFC/QR contact sharing and meeting-note summaries for stronger professional follow-up.
CareRide
Founder & Lead Engineer
NEMT dispatch MVP shaped by 30+ customer interviews, focused on scheduling automation and healthcare transport coordination.
Mentro AI
Founder
College mentorship platform with mentor-mentee matching and program tracking for stronger mentorship outcomes.
Veyalo
Founder & Full-Stack Builder
Group restaurant-decision app that turns choosing where to eat into a shared swipe-and-match experience.
Frame AI
Creator & Full-Stack Builder
App Store screenshot studio for turning raw product screens into polished device mockups with layouts, AI captions, and export-ready canvases.
Citigen
Founder & Lead Engineer
Web development studio building custom, high-performance websites, e-commerce stores, and web applications for growing businesses.
Opus Data
Founder & Lead Engineer
Enterprise AI training-data platform connecting frontier teams with rigorously vetted annotators across the United States and Kenya.
What I Bring To A Team
My edge is the combination: I can speak with customers, read the business, work with data, and help turn the insight into a usable product or workflow.
Finance & FP&A
- Financial Modeling
- Budgeting & Forecasting
- Variance Analysis
- P&L & Portfolio Analysis
- Credit Analysis
- KPI & Executive Reporting
Analytics & Tools
- Excel, SQL, Python, R
- Tableau & BI Dashboards
- ETL & Data Engineering
- Automation (UIPath, n8n)
- NLP & Data Mining
- Next.js & React Native
AI & Business
- AI Workflow Testing
- Prompt Engineering
- Generative AI
- Predictive Modeling
- A/B Testing
- Process Improvement
Leadership & Strategy
- Founder-operator work
- Product Analytics
- Cross-functional Collaboration
- Stakeholder Management
- Customer Discovery
- Sales & Growth Leadership
Certifications & Achievements
Financial Modeling & Valuation Analyst (FMVA)
Corporate Finance Institute
Business Intelligence & Data Analyst (BIDA)
Corporate Finance Institute
VentureOn Competition Winner
Horn Entrepreneurship Program, UD
Entrepreneurship Competition Judge
DECA, BPA, ISACA, DIAMOND AI
Gen AI
DataBricks
Google Data Analytics Certificate
Automation Developer
UIPath
Certified Professional Accountant (CPA 1)
KASNEB
Organization Leadership
Kenyatta University
Emerging Leader & Leadership Portfolio
University of Delaware
Leadership & Community
Building connections and giving back through professional organizations, mentorship, and competitions
Academic Judging
Evaluated high school and college students showcasing business acumen, critical thinking, and presentation skills across multiple business disciplines including marketing, finance, and entrepreneurship.
Assessed students in workplace skills, business administration, finance, and IT at BPA competitions. Evaluated projects, presentations, and technical competencies.
Competed applying entrepreneurship and innovation skills to solve real-world business problems. Hosted by Horn Entrepreneurship at University of Delaware.
Evaluated innovative companies, products, and executives driving excellence in business intelligence, analytics, and data-driven decision making.
Mentorship
Participated as a mentee, learning from industry leaders and strengthening my professional direction through University of Delaware's Lerner College of Business.
Volunteer Work
Supporting community development initiatives and empowering underserved communities through education, resources, and sustainable programs.
Contributing to humanitarian efforts focused on education, healthcare, and sustainable community development across multiple regions.
Entrepreneurship
NSF-funded program for customer discovery and lean startup methodology, translating research into commercial ventures through rigorous market validation.
Engaged in startup ecosystems, pitch competitions, and innovation challenges at University of Delaware's Horn Entrepreneurship hub, the region's leading entrepreneurship center.