CFO (External / Fractional) · Spain/EU (remote-first, on-site when needed)

Only apply if you have set up Odoo end-to-end before and love building clean, automated finance systems that scale.

Your mission
Design and own our Finance Operating System - so finance runs like an automated machine: fast monthly closes, zero-drama cash control, bank-ready reporting, and automated flows in Odoo and n8n.

• CFO (External / Fractional) · Spain/EU (remote-first, on-site when needed)
• Only apply if you have set up Odoo end-to-end before and love building clean, automated finance systems that scale.
• Who we are
• Isleño builds ready-to-move-in homes for remote-working entrepreneurs, with a modular design system (not one-off, bespoke projects). We improve the same repeatable product each project. See isleno.es and Instagram @isleno_homes.
• Your mission
• Design and own our Finance Operating System - so finance runs like an automated machine: fast monthly closes, zero-drama cash control, bank-ready reporting, and automated flows in Odoo and n8n.
• What you will build
• One finance system in Odoo
• Design the full setup: accounts, roles and permissions, close rhythm, tax calendar, and audit trail.
• Measure: close each month within five business days; no side spreadsheets for core work.
• Odoo is our all-in-one business system.
• Planning that connects all departments
• One integrated plan that links:
• property search pipeline,
• construction capacity and milestones,
• sales from reservation to notary,
• cash and funding.
• Weekly check-ins keep the plan real.
• Measure: accurate thirteen-week cash view and projects delivered on time.
• Bank financing that is repeatable
• Create a standard pack lenders trust: clean numbers, project economics, contracts, and tax proofs.
• Build relationships with several Spanish banks for project financing and buy-and-hold mortgages.
• Measure: size of active bank pipeline, time from first talk to signed term sheet, drawdowns completed.
• Private lender engine
• Run a simple pipeline like a sales team would: find, qualify, send documents, agree terms, draw funds.
• Use a clear split of tasks (for example a “setter” who opens doors and a “closer” who finalises terms).
• Measure: number of ready investors, time to commitment, total cost of capital.
• Capital Rulebook: debt, equity, cost, and speed
• Set clear limits and live by them:
• minimum weeks of cash on hand,
• maximum debt to equity,
• minimum debt service coverage ratio (how easily cash flow pays debt),
• gates for new purchases tied to the strength of the upcoming notary pipeline.
• Measure: no breaches, and every major decision traces back to the rulebook.
• Commercial finance flywheel
• Match buying speed to sales speed and to cash.
• Design deposits (reservation money, “arras”) that reduce the number of days to the notary appointment.
• Remove blockers that trap cash in financing steps, construction work, or buyer paperwork.
• Measure: conversion from reservation to notary, median days to notary, share of cash that is blocked and how fast it gets released.
• Automation by design
• Use n8n and small Python scripts to automate the repetitive 80%: bank feeds, matching bank movements, document scanning, approvals, payment runs, late-payment follow-up, and reporting refresh.
• Measure: fewer manual steps each month and fewer matching errors.
• n8n is a simple tool to connect apps and move data automatically.
• Spain tax and compliance that runs on time
• Value-added tax, income tax withholdings, and company tax are prepared early with an internal deadline around day 15. All proofs live in clean folders.
• Measure: 100% of filings are on time and audit-ready.
• How we work (system, not improvisation)
• We standardise, then improve. One source of truth, one way of working. Every doubt becomes a documented fix so the same question is answered once—then lives in the SOP. You’ll help us keep the system simple, and make it better weekly.
• What you’ll own
• Odoo ownership: design, configuration, policies, and continuous improvement.
• SOPs & controls: closing calendar, approvals, segregation of duties, vendor onboarding, payment runs, tax submissions.
• Cash & treasury: 13-week cash, collections discipline, payments cadence, FX if needed.
• Funding acquisition (banks & private): build the pipeline, maintain lender relationships, drive term sheets to signature.
• Reporting: weekly / monthly KPI reporting (value created, cashflow coverage, project manager usage, depth to equity, ebit, project economics
• Tax & compliance (Spain): IVA/Modelos (303, 390), IRPF retentions (111/190), Corporate Tax (200/202), ITP/AJD for property deals; optimize within the rules.
• Automation mindset: remove manual work with n8n (or similar) and light Python scripts where needed.
• Results we measure
• Time to close each month.
• Cash visibility: Accuracy of the Planning, Share of cash that is blocked and how fast it is released.
• Automation: manual touch points reduced each month. Fewer manual steps in core finance tasks.
• Conversion from reservation to notary and the median days it takes.
• Bankability: lender pipeline active with progressing opportunities; zero “missing docs” red flags. Size and speed of the lender pipeline.
• Compliance: All taxes filed on time.; clean audit-ready folders.
• You will be a strong fit if
• You have raised bank finance in Spain, including project loans or mortgages for companies. You know what lenders need and how to package it. Ideally you have built a funding pipeline and can run it like a sales team with clear stages.
• You know real estate economics and how money flows through buy → refurbish → sell.
• SOP builder: you write simple, living procedures and make teams follow them. You think in rules and trade-offs and explain them in plain language.
• Spanish tax & filings: confident with IVA, retentions, Corporate Tax; you can guide advisors, not the other way around.
• You have built a full Odoo finance setup from scratch
• You enjoy automation and can make practical flows in n8n and small helpful Python scripts. You have a Software Engineer Mindset and know a Programming Language Like Python or Javascript.
• You work in Spanish and English with comfort.
• Availability: fractional, outcome-based.
• Personality fit (why you)
• We’re looking for an systems thinker, first-principles, calm under pressure, enjoys building the machine and simplifying complexity. You like deep work, clean logic, and measurable results- and you’re comfortable leading the room when decisions are needed.
• Tools you’ll use (and what they mean)
• Odoo: our ERP (enterprise system) for accounting, purchasing, sales, inventory, projects.
• n8n: no-code/low-code automation to connect apps and remove manual steps.
• SOPs: simple step-by-step instructions everyone follows.
• 13-week cash: standard rolling cash forecast for short-term planning.
• Engagement & compensation
• Fractional / external engagement, outcome-based scope
• We’ll align a fair, transparent model during the call