Hire the Best Appforfinance Financial Statement Analysis Specialists

I am a Chartered Financial Analyst (CFA, USA) and Chartered Accountant Affiliate with over 10 years of experience in Financial Analysis, Financial Modeling, Financial Projections, Forecasting, and Corporate Finance. I help startups, SMEs, and established businesses make data-driven decisions, improve profitability, and achieve sustainable growth. My professional background includes experience with KPMG Dubai, multinational banks, asset management firms, and consulting engagements across various industries. I have successfully delivered investor-ready financial models, valuation reports, budgeting frameworks, forecasting models, and strategic financial insights for clients worldwide. I possess strong expertise in Financial Planning & Analysis (FP&A), Business Valuation, Budgeting, Cash Flow Forecasting, Investment Analysis, and Corporate Finance Strategy. My technical skills include QuickBooks, Xero, SAP, Oracle, Power BI, Tableau, and advanced Excel financial modeling. Throughout my career, I have worked with businesses in SaaS, Technology, Fintech, Oil & Gas, Construction, Real Estate, Manufacturing, Textile, FMCG, Healthcare, E-commerce, and Professional Services sectors. Core Services: • Financial Analysis and Business Performance Review • Financial Modeling and Financial Projections • Budgeting, Forecasting, and FP&A • Corporate Finance and Strategic Planning • Business Valuation and Investment Analysis • Cash Flow Forecasting and Scenario Analysis • Real Estate Financial Modeling and Property Valuation • Three Statement Financial Models (Income Statement, Balance Sheet, Cash Flow) • Startup Financial Models and Investor Presentations • Business Plans and Fundraising Support • KPI Dashboards and Management Reporting • Accounting Review and Financial Reporting under US GAAP and IFRS Why Clients Work With Me: • 10+ years of finance and consulting experience • CFA (USA) and Chartered Accountant Affiliate • Expertise in Corporate Finance, Financial Analysis, and Financial Modeling • Industry experience across multiple sectors • Clear, accurate, and easy-to-understand financial models • Strong communication and commitment to deadlines My work has helped clients secure more than $2 million in funding globally and improve the quality of their financial decision-making. If you need support with Financial Analysis, Financial Modeling, Financial Projections, Forecasting, Budgeting, Valuation, FP&A, or Corporate Finance, let's connect. I offer a free consultation to discuss your project and build a solution tailored to your business goals.

✨ Top- Rated freelancer on Upwork, recognized for consistent quality, reliability, and high client satisfaction. ✨ Are you looking for investor-ready financial models or data-driven insights to support smarter business decisions? I help startups, SMEs, and investors transform raw financial data into clear financial strategies that drive growth, improve cash flow, and attract funding. 💼 Who I Am I’m a Chartered Accountant and Financial Analyst with 4+ years of experience delivering customized financial models, valuations, and forecasts across a wide range of industries, including SaaS, Real Estate, E-commerce, and Manufacturing. My focus is on building accurate, transparent, and decision-ready financial models that stakeholders can trust. 📊 What I Deliver ✔️ 3-Statement Financial Models (P&L, Balance Sheet, Cash Flow) ✔️ Business Valuations (DCF, Comparable Companies, Pre-Money & Post-Money) ✔️ Startup Financial Forecasts & Investor Pitch Deck Financials ✔️ Scenario Planning & Sensitivity Analysis ✔️ Excel Automation (Advanced formulas, dashboards, KPIs, VBA) ✔️ Budgeting, Variance Analysis & Financial Planning ✔️ Accounting Setup, Cleanup & Ongoing Support (QuickBooks, Odoo, Xero, Rent Manager, NetSuite) 🌍 Why Clients Choose Me ⭐ Top Rated on Upwork — 100% Job Success | 20+ Projects | 40+ Hours ⭐ Proven track record helping startups secure investment and optimize cash flow ⭐ Clear communication, professional documentation, and dependable delivery ⭐ Ability to translate complex financial data into clear, actionable insights 🧾 Tools & Technical Expertise Financial Modeling: Excel & Google Sheets (Advanced, VBA) Data & Reporting: Power BI, Financial Dashboards Accounting Systems: QuickBooks, Xero, Wave, NetSuite, Zoho, Odoo, Rent Manager Valuation Methods: DCF, Comparable Company Analysis, Precedent Transactions 🗓️ Let’s Talk If you’re seeking a Top Rated financial analyst who delivers investor-ready models and financial clarity for strategic decisions, let’s connect. 📩 Click “Invite to Job” — I’ll review your requirements and provide a quick, tailored proposal. (Initial consultation is free.)

📈 Track Record: ✔ 100% Job Success Score - Top Rated Plus on Upwork ✔ 75+ completed engagements across the US, UK, and Australia ✔ Valuation models delivered for live acquisition decisions ✔ Due diligence reports built for multi-million dollar transactions ✔ ERISA benefit plan audits completed for a US-based CPA firm ✔ PCAOB audits completed for US-registered public companies Are you making a major financial decision - buying a business, approaching investors, or reviewing performance - without being fully confident the numbers behind it are right? That gap between surface-level numbers and financial truth is exactly where I work. After years inside Deloitte and EY, I developed something most financial professionals never sharpen: the ability to look through financial statements and find what's actually driving - or threatening - a business. Today I bring that Big 4 rigour to investors, entrepreneurs, and business owners who need real financial clarity, not just a polished report. ✅ What I Do: 📊 Business Valuation & M&A Due Diligence Full valuation models using DCF, market comparables, and asset-based approaches - built to hold up under scrutiny in real acquisition decisions. 🔍 Financial Health & Performance Reviews Deep-dive analysis of profitability, liquidity, efficiency, and risk - with a clear action plan attached. 📁 Investor-Ready Financial Packages Financial statements, projections, and KPI dashboards built to impress investors and lenders. ⚖️ Forensic & Advisory Analysis Unexplained losses, vendor payment audits, fraud risk assessments - I find what others miss. 📋 CFO Advisory & Internal Controls Finance function setup, SOPs, internal controls gap assessment, and compliance reviews. 🌍 IFRS Reporting & Cross-Border Financials IFRS vs GAAP conversions, foreign subsidiary reporting, and transfer pricing documentation. 🔧 Tools I Use: QuickBooks | Xero | MYOB | Excel | Google Sheets | CaseWare | IFRS Frameworks | Engagement Manager 🎯 Credentials: CPA | CISA | MIPA - IPA Australia | AFA - UK | Deloitte If you need a valuation, a due diligence report, a forensic review, or CFO-level financial analysis - send me a message with what you're working on. 📩 I respond within hours.

SAP HANA(Certified) | SAP BUSINESS ONE(Certified) | ERPNext | CPA | ACMA | Quick Books (Certified) | Xero (Certified) | Finance & Management Accountant | Crypto Accounting & Taxation Specialist | Hi! This is Karishma Baig, a highly skilled and dedicated Certified Public Accountant , Chartered Management Accountant with specialized experience in crypto accounting and taxation, I bring years of expertise in managing financial records, tax compliance, and optimizing business processes. I have a proven track record of helping clients streamline their financial operations, ensuring accuracy, compliance, and efficiency. My expertise includes: Accounting & Taxation for Crypto: Navigating the complexities of cryptocurrency taxation, including reporting, compliance, and tax planning for crypto-related transactions. Financial Management: Overseeing financial operations, providing strategic financial insights, and creating accurate reports for decision-making. Software Proficiency: Expertise in SAP, QuickBooks, Xero and ERPNext. Tax Compliance: Ensuring businesses are up-to-date with tax regulations and maximizing tax-saving opportunities. Why work with me? Commitment to Excellence: I am dedicated to delivering high-quality results with attention to detail and a focus on accuracy. Value for Money: I strive to provide exceptional value while maintaining cost-effectiveness. Strong Communication: I believe in clear, timely, and transparent communication, ensuring you're always in the loop with your financial matters. Adaptable & Collaborative: Whether you're working individually, with a team, or need collaborative solutions, I can adapt to your work style and provide the support you need to succeed. If you're looking for a finance and accounting professional who can provide valuable insights and expert solutions, let's connect and discuss how I can assist with your accounting and taxation needs.

⭐ Shopify • Amazon • TikTok Shop • Xero • QuickBooks • FP&A • Cash Flow • Inventory • CM1–CM4 • KPI Dashboards • Fractional CFO • Ex-PwC • CA • CFA Level III Cleared ⭐ 💵 Fractional CFO & FP&A for E-Commerce Brands | Profitability, Cash Flow & Inventory I help e-commerce founders understand where their profit and cash are going—and build the financial systems needed to scale with confidence. Most growing e-commerce businesses don't have a revenue problem. They have a profitability, inventory, working capital, and cash flow problem. Revenue grows—but cash disappears. Inventory increases. Marketing spend rises faster than profit. Founders struggle to understand which products and channels actually make money. That's where I help. I'm a Chartered Accountant (CA), CFA Level III Cleared, Ex-PwC Transaction Advisory Associate, and currently a VP at a boutique US Investment Bank. I work as a Fractional CFO & FP&A partner for founder-led e-commerce businesses, helping improve profitability, manage inventory and working capital, forecast cash, and build financial systems for better decision-making. I currently support three $25M+ annual revenue DTC e-commerce brand and have previously worked with a $120M+ annual revenue e-commerce business. My focus is simple: Turn financial data into clear decisions about profit, cash, inventory, pricing, marketing, and growth. 💵 Fractional CFO & FP&A • 13-Week & 12-Month Cash Flow Forecasting • Annual Budgets & Rolling Forecasts • Driver-Based Financial Models • Forecast vs. Actual & Scenario Analysis • Management, Board & Investor Reporting • KPI Dashboards • Working Capital Forecasting 💰 Profitability & Margin Improvement • CM1, CM2, CM3 & CM4 Contribution Margins • SKU, Product & Channel Profitability • Pricing & Gross Margin Optimization • Discount & Promotion Analysis • Shipping, Fulfillment & Marketplace Fees • Returns & Refund Analysis • EBITDA Improvement & Cost Reduction The goal is to identify where you make money, where margin is leaking, and what actions can improve profitability. 📦 Inventory & Working Capital • Inventory & Demand Forecasting • SKU-Level Purchase & Reorder Planning • Stock Ageing, Slow-Moving & Excess Inventory • Inventory Turnover & Stock Cover • Supplier Payment Planning • Cash Conversion Cycle Optimization I help answer a critical question: How much inventory should we buy—and when—without creating unnecessary cash pressure? 📈 Marketing & Customer Economics • ROAS • CAC • MER • LTV • Customer Payback Period • Cohort Analysis • Marketing Spend Efficiency • Retention & Repeat Purchase Rates • AOV & Channel Contribution Margin I connect marketing metrics to actual contribution profit and cash flow—not just revenue growth. 📉 Dashboards & Financial Visibility • Daily Profitability & Cash Dashboards • 13-Week Cash Forecast • Inventory & Working Capital Dashboards • Executive KPI Dashboard • Marketing Performance Dashboard • SKU, Channel & CM1–CM4 Profitability • Budget vs. Actual Reporting 🛠 Platforms & Systems E-Commerce: Shopify • Shopify Plus • Amazon Seller Central • Amazon Vendor Central • TikTok Shop • WooCommerce • eBay • Etsy Accounting & ERP: Xero • QuickBooks Online • QuickBooks Desktop • SAP Business One • NetSuite • Sage • Microsoft Dynamics 365 Payments: Stripe • Shopify Payments • PayPal • Airwallex • Wise • Revolut • Amazon Pay Inventory & Fulfillment: Cin7 • Inventory Planner • Unleashed • Brightpearl • Linnworks • ShipStation • ShipBob • Amazon FBA Modeling & BI: Microsoft Excel • Google Sheets • Power Query • Power Pivot • Power BI • Looker Studio Marketing & Analytics: Meta Ads • Google Ads • TikTok Ads • Amazon Advertising • GA4 • Shopify Analytics • Klaviyo AI & Automation: ChatGPT • Claude • Microsoft Copilot • Zapier • Make • Power Automate 💵 Why Clients Hire Me I'm not a traditional accountant who simply prepares reports after the month is over. I help founders understand what is happening, why it's happening, and what to do next. I help answer questions like: • Which SKUs and channels actually make money? • Why is cash decreasing despite revenue growth? • How much inventory should we purchase? • Where are margins leaking? • Are discounts and promotions profitable? • Which costs should we reduce first? • What will cash look like over the next 13 weeks and 12 months? • How can we improve EBITDA without slowing growth? If you're looking for a Fractional CFO or FP&A partner who understands Shopify, Amazon, TikTok Shop, inventory, cash flow, pricing, contribution margins, and e-commerce unit economics, let's talk. 💵 Let's build a finance function that gives you complete visibility into your business and helps you make faster, better decisions.

𝐍𝐞𝐞𝐝 𝐁𝐢𝐠 𝟒-𝐥𝐞𝐯𝐞𝐥 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐞𝐱𝐩𝐞𝐫𝐭𝐢𝐬𝐞 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐭𝐡𝐞 𝐁𝐢𝐠 𝟒 𝐛𝐢𝐥𝐥? 💼💸 𝐈 𝐡𝐞𝐥𝐩 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 𝐜𝐥𝐞𝐚𝐧 𝐮𝐩 𝐭𝐡𝐞𝐢𝐫 𝐛𝐨𝐨𝐤𝐬, 𝐠𝐞𝐭 𝐚𝐮𝐝𝐢𝐭-𝐫𝐞𝐚𝐝𝐲, 𝐚𝐧𝐝 𝐭𝐮𝐫𝐧 𝐦𝐞𝐬𝐬𝐲 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐢𝐧𝐭𝐨 𝐜𝐫𝐲𝐬𝐭𝐚𝐥-𝐜𝐥𝐞𝐚𝐫 𝐫𝐞𝐩𝐨𝐫𝐭𝐬 𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬 𝐜𝐚𝐧 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐮𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝. 📊✅ With 5+ years in external audit and financial reporting, I’ve worked with a wide range of clients local and international including Allied Bank, Nestlé, Gulf Hotel Group, and KPMG Riyadh. Whether you're a startup or a seasoned enterprise, I know how to tailor finance solutions that actually make sense for your business. 🔧 What I Bring to the Table: ✔IFRS-Compliant Financial Reports that withstand scrutiny ✔Audit Preparation & Execution (ISAs) so you’re ready before the auditors knock ✔Remote Bookkeeping & GL Management using good ol’ Excel ✔Cash Flow Forecasting, Budgeting & Financial Planning ✔Internal Controls and help staying compliant with regulations ✔Management Dashboards that highlight what actually matters 🛠 Tools & Frameworks I Work With: ✔IFRS | ISAs | IAS ✔Microsoft Excel (Advanced functions, dashboards) ✔Local & international compliance standards 🌍 Industries I’ve Worked In: ✔Banking & Finance--Finca Bank, National Bank of Bahrain ✔Power & Energy – PMLTC ✔Logistics – Saudi Post, Expeditors International ✔Hospitality – Gulf Hotel, Durrat Resort ✔Manufacturing – Nestlé Saudi Arabia If you're looking for a dependable freelance accountant to make sense of your numbers or just finally make those books audit-friendly let’s chat. I’m just a message away. 📩 Let’s build a financial system that actually works for your business.