Ecommerce Finance Analyst / Fractional CFO for 8 Figure DTC Brand

Chief Financial Officer (CFO) — Polar Haircare Location: Remote | Type: Full-time contractor | Compensation: $2,000 per month About Polar Haircare We're a fast-scaling direct-to-consumer haircare brand built around one breakout product: Instant Dye Shampoo — a 2-in-1 shampoo and gray-coverage dye that works in 10 minutes and lasts up to six weeks. Our customers are women aged 40–65 who are done with messy, damaging box dye and want something faster and cleaner. We sell across Shopify (DTC), Amazon FBA, Walmart and TikTok Shop, run meaningful paid media across Meta, Applovin and Google/YouTube, and operate a lean global team with a dual-warehouse (China + US) supply chain and a stack of specialist agencies. We're profitable, growing, and building the business with a potential acquisition in mind. The Role This is a hands-on, builder CFO — not a figurehead who manages a finance department. For a business our size, the CFO does the work: builds the models, closes the books with the bookkeeper, reconciles the vendors, runs the payments, and turns raw exports into decisions the founder can act on the same day. You will own every dollar that flows in and out of Polar Haircare. You'll know exactly where money is coming from and exactly where it's going — and you'll find the leaks before anyone has to ask. Your north star is structural margin: accurate unit economics, ruthless cost control, and reporting that makes the business easier to run and more valuable to sell. If you think in contribution margin, get uncomfortable when a number can't be traced to source, and enjoy finding the $40k/year nobody noticed was bleeding out — this is your role. What You'll Own Daily Close, Reporting & Performance -Own the daily financial close: prepare consolidated and channel-level P&Ls (Shopify, Amazon, TikTok Shop), including ad spend from every platform, all revenue streams, and operating expenses. -Deliver daily performance dashboards covering ROAS, MER, agency fees, indirect expenses, cashback, and the other levers that drive profitability — built for fast decisions. -Calculate and validate daily COGS on every item sold so margin reporting is always accurate. -Maintain weekly and monthly P&Ls for leadership with commentary on what moved and why. Unit Economics & Margin -Build and maintain landed COGS per unit and fully loaded cost per unit (product, freight, duties, packaging, pick/pack, last-mile). -Track gross, contribution, and net margin, and present a clean margin waterfall (Revenue → Gross Profit → Contribution → EBITDA → Net) at every reporting cycle. -Maintain channel-specific unit economics — especially Amazon (referral fees, FBA fees, storage, PPC) — never blended unless that's the point. -Set and recalibrate break-even and target ROAS as cost inputs change. Marketing & Agency Efficiency -Track total and channel-level ad spend, blended ROAS, MER, CAC, and CAC payback. -Measure each agency's fees as a % of the revenue or savings they manage and flag any that aren't earning their keep. -Surface the most and least efficient spend buckets and feed targets back to the media buyers. Cash Flow, Payments & Working Capital -Lead cash flow management and working-capital planning to keep operations liquid and funds working efficiently. -Run end-to-end payment execution for vendors, suppliers, employees, and subscriptions — on time, every time, no penalties or service interruptions. -Maintain optimal bank balances and manage credit-card funding, top-ups, and utilization. -Maximize credit-card cashback by tracking agreements and eligibility, and optimize banking/payment platform plans (Airwallex, Wise, etc.) against actual usage. -Deploy excess cash into short-term treasury options where it makes sense, within agreed risk limits. -Prepare bi-weekly cash flow reports highlighting inflows/outflows, runway, and key risks. Vendor & Inventory Control -Maintain real-time supplier ledgers: PO-wise commitments, payments made, and delivery status. -Run vendor reconciliations — verify balances, resolve discrepancies, and keep relationships and payables clean. -Maintain vendor registers and compliance documentation with key suppliers to support smooth operations and audits. -Perform periodic inventory valuation and flag slow-moving SKUs or overstock. Expense Governance & OpEx Control -Categorize every operating cost (payroll/contractors, software, agencies, fulfillment, processing fees, insurance, legal, misc.) and track OpEx as a % of revenue. -Own a live Subscription Master — every recurring charge, its owner, and its justification. -Produce periodic deep-dives (salaries, subscriptions, indirect expenses) with 3- and 6-month trend comparisons to surface savings and efficiency opportunities. Payroll & Bookkeeping Support -Execute payroll processing — accurate calculations, on-time disbursements. -Hand the bookkeeper/accountant complete documentation for accurate recording, timely reconciliations, and clean month-end closes (inventory, vendor balances, expense classification). Exit-Readiness & Strategic Support Our US accountant prepares the formal diligence/exit document pack. This role keeps the live operating picture that feeds it — so the story the books tell is accurate, current, and defensible. -Track SDE/EBITDA with clearly documented add-backs, plus trailing-12-month revenue, profit, and growth. -Monitor revenue concentration, repeat-purchase rate, LTV, and LTV:CAC. -Proactively flag "hair on the deal" — margin compression, single-supplier risk, revenue volatility, anything a buyer would question — before it surfaces in diligence. -Turn around ad-hoc, decision-critical analysis on short notice. What Success Looks Like -First 30 days: You can trace every line on the P&L to its source. You've found and documented where current reporting understates costs. -First 90 days: Daily/weekly/monthly reporting runs on a repeatable cadence with minimal manual effort. Accurate per-unit and per-channel economics are live, and break-even/target ROAS are set off real numbers. -First year: OpEx and agency spend are measurably tighter, cash flow is predictable, and the books are clean enough to drop into a data room without a scramble. Who You Are -Proven DTC / e-commerce finance experience — you've owned the numbers for a multi-channel consumer brand (Shopify + Amazon at minimum). -Fluent in the language of paid-media-driven brands: ROAS, MER, CAC, contribution margin, LTV, blended vs. channel-level economics. -Genuinely hands-on — you build the models and run the close yourself, not just review someone else's. -Elite with spreadsheets/financial modeling (Excel/Google Sheets); comfortable pulling and parsing raw exports (CSV/PDF) from Shopify, Amazon, banks, and ad platforms. -Rigorous about accuracy — you flag uncertainty, never present a shaky number as fact, and reconcile rather than defend. -Comfortable owning treasury, AP, payroll, and vendor management, not just FP&A. -Clear, direct communicator — you lead with the headline and the dollar impact, then show the math. Bonus Points -Experience preparing a business for sale / acquisition diligence. -Familiarity with multi-entity structures and cross-border operations/FX. -Working knowledge of accounting tools (QuickBooks/Xero) and banking platforms (Airwallex, Wise, Revolut). -Marketplace finance depth (Amazon FBA fee structures, TikTok Shop). In your application, tell us about a time you found a meaningful cost leak or margin opportunity in a business — what the number was, how you found it, and what changed. Looking forward to hearing from you!