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I turn messy operational data into driver-based P&L models, unit economics frameworks, and board-ready forecasts you can actually run the business on - not spreadsheets that just look nice. I am Senior Financial Analyst & Financial Modeling Expert for B2B/B2C SaaS companies with 5+ years of experience, Finance degree and 100% Job Success Score. I work best with SaaS founders, COOs and finance leads who are: - Preparing for a fundraising round and need investor-ready financials - Launching a new line of business and need a standalone feasibility model - Seeing margins slip and need to know exactly why, not just that they are - Running the business on a spreadsheet that no longer scales CORE FP&A & FINANCIAL MODELING SERVICES - Financial Modeling & Forecasting: 3-to-5-year driver-based P&L, revenue, balance sheet and cash flow models with Best / Base / Conservative scenarios - Unit Economics: LTV, CAC, LTV:CAC ratio, SaaS magic number, payback period, churn and retention modeling for SaaS and marketplace businesses - Variance Analysis: month-over-month plan-vs-actual analysis and root cause investigation of margin and cost variances - Feasibility Modeling: standalone P&L and breakeven analysis for a new product, market or line of business - Data Consolidation: structuring large, messy transactional datasets into one clean, dynamic reporting model - Fundraising Support: pitch deck financials and investor-ready metrics (ARR, CAGR, IRR, NPV) HOW I WORK - Discovery first: before I build anything, I map your actual business logic and unit economics - not a generic SaaS template - Every assumption is documented and sourced - company data, market benchmark, or an explicit hypothesis - so you always know what is driving a number and can challenge it - I reconcile every output against your source data before handoff - I would rather catch a wrong figure myself than let it sit in your board deck - You get a model you can actually run the business on: dynamic formulas and a clear structure, not a static snapshot that breaks the moment your business changes RECENT PORTFOLIO WORK - TAM/SAM/SOM sizing and a 3-scenario, 5-year revenue forecast for an EdTech SaaS company (B2C) - A dynamic 24-month P&L and unit economics model for a legal B2C SaaS marketplace - A 12-month P&L and multi-service unit economics model across 4 service lines for a B2B MarTech company - Month-over-month P&L variance analysis and root cause modeling for a B2B SaaS / virtual data room provider - A 3-year P&L and new line of business feasibility model for a board management software company - Consolidation of a 190,000-row transaction dataset spanning three business lines into one dynamic Excel model with interactive dropdown views TOOLS: Microsoft Excel (Power Query, advanced formulas, PivotTables, dynamic dropdown-driven models) and Google Sheets. If you need a financial analyst or financial modeling expert who can turn your numbers into a model you can actually run the business on, send a message or invite me to your job - happy to jump on a quick call to align on scope.

Chartered Accountant with 10+ years of experience and 270+ completed projects on Upwork — I build investor-ready financial models that help founders raise capital and finance teams make decisions with confidence. Whether you need a 3-statement model for a seed round, a SaaS financial model with unit economics and cohort analysis, or a DCF valuation for an acquisition, I deliver models that are clean, dynamic, and built to hold up under investor scrutiny. What I build: • 3-statement financial models (P&L, balance sheet, cash flow) • SaaS models — ARR, churn, LTV/CAC, runway, unit economics • Real estate and acquisition models — DCF, IRR, NPV • Startup fundraising models for seed, Series A, and Series B • Scenario and sensitivity analysis • Pitch deck financial slides and data room packages • Model audits and rebuilds All models are delivered in Excel or Google Sheets, fully documented, with clear assumptions and scenario toggles so you can update them yourself. I work with a small number of clients at a time to ensure every model gets my full attention. Most projects are delivered within 5–7 business days. Top Rated Plus · Chartered Accountant · Identity Verified · <24h response time

Hi, I'm Lily. I'm a finance professional with 15+ years of experience in financial modeling, FP&A, and business finance, including 5 years as a CFO. I help business owners understand their numbers, improve profitability, and make confident financial decisions. I specialize in: • Financial modeling and forecasting • 3-statement models (Profit & Loss, Balance Sheet & Cash Flow) • Budgeting, cash flow planning, and variance analysis • KPI dashboards and business performance reporting • Cost optimization and profitability analysis • Scenario and sensitivity analysis • Financial planning for fundraising, growth, and strategic decisions I've worked with startups, SaaS, eCommerce, and established businesses, building financial models that are practical, accurate, and easy to use. I can also provide ongoing monthly financial support, including financial reporting, budgeting, cash flow management, performance analysis, and strategic financial guidance to help you stay on track and make better business decisions. Whether you need a dynamic financial model, monthly reporting, cash flow management, or a reliable finance partner to oversee your business, I'm here to help turn your financial data into actionable insights. ⭐️⭐️⭐️⭐️⭐️ Lily was incredible!! She is extremely quick and came up to speed on my project within one conversation. She developed comprehensive and adjustable 5-year financial projections for me, and organized the information in a clear and user-friendly way. I highly recommend her. She's very talented and a pleasure to work with ⭐️⭐️⭐️⭐️⭐️ Lily did an exceptional job completing our budget forms under tight deadlines. She not only revised two budget proposals efficiently but also provided valuable insights that strengthened our applications. Thanks to her expertise, we’ve already been awarded one proposal and are eagerly awaiting feedback on the other. Highly recommend her! ⭐️⭐️⭐️⭐️⭐️ Lily did an excellent job creating an Investor-Ready 5-Year Financial Model for my business. She was quick, attentive to my needs, and delivered a great result—a well-structured model that's easy for me to adjust as needed. I’m very satisfied with our collaboration and would highly recommend her to others!

💼 🇨🇦 Canadian CFA Charterholder | AI-Native Fractional CFO for Startups | Runway, Fundraising, FP&A & AI Business Models | $1B+ Supported Capital Raises | Top Rated Plus AI startups move faster than traditional finance teams can handle. Revenue models change. Token costs fluctuate. Gross margins compress. Usage scales unpredictably. Investors ask sharper questions. Founders need more than bookkeeping, historical reporting, or another spreadsheet. They need a CFO who understands both startup finance and the emerging economics of AI-native companies. I’m a Canadian CFA Charterholder, Top Rated Plus Upwork fractional CFO, with Masters in AI and ML training. I help founder-led startups build finance functions that are faster, more automated, more investor-ready, and more useful for strategic decision-making. Across my career, I’ve supported startups, growth companies, and investor-backed businesses through fundraising, liquidity pressure, board reporting, restructuring, financial modeling, and high-stakes strategic decisions. My models and finance systems have supported over $1B in capital raised across North America and Europe. What I Help Clients Do ✅ Extend runway and control burn 13-week cash models, runway analysis, burn multiple tracking, hiring plans, downside scenarios, and survival planning. ✅ Understand AI-native economics Token costs, compute expense, usage-based pricing, AI credits, gross margin pressure, customer profitability, cohort economics, and scalable monetization models. ✅ Build investor-grade financial models Three-statement models, SaaS models, marketplace models, usage-based revenue models, scenario cases, board models, and fundraising forecasts. ✅ Create an AI-powered finance function Automated reporting, KPI dashboards, variance analysis, forecasting workflows, anomaly detection, and AI-assisted CFO memos. ✅ Prepare for fundraising Seed through Series B models, bridge rounds, down-round planning, investor decks, data rooms, board materials, diligence support, and financial narratives that withstand scrutiny. ✅ Turn finance into a decision system Real-time dashboards, unit economics, pricing strategy, margin analysis, KPI discipline, and operating leverage planning. Core Services • AI-native Fractional CFO services • Startup FP&A, budgeting, forecasting, and scenario planning • Cash flow, liquidity, and runway management • 13-week cash flow models and crisis finance • SaaS, marketplace, subscription, and usage-based financial models • Token economics, compute cost, AI credit, and gross margin analysis • Fundraising support: Seed, Series A, Series B, bridge rounds, and investor defense • Board reporting, investor updates, and CFO memos • KPI dashboards in Power BI, Excel, and SQL • Finance automation using AI-assisted workflows • Pricing strategy, unit economics, LTV/CAC, cohort analysis, and profitability planning • Due diligence, data rooms, valuation, 409A, M&A, and special situations Why Founders Work With Me Most finance professionals understand accounting. Some understand startup fundraising. Very few understand how AI is changing the financial architecture of startups. I combine: • CFA-level financial rigor • 19+ years of financial modeling and strategic finance experience • Top Rated Plus Upwork execution across hundreds of client engagements • AI/ML graduate training • Hands-on CFO experience inside an AI startup • Practical operator judgment under pressure The result is a finance function that gives founders more clarity, more control, and better decisions — without slowing the company down. Let’s Talk In AI startups, finance cannot be slow, backward-looking, or disconnected from the product. Your finance function needs to understand cash, growth, pricing, compute costs, investor expectations, and strategic risk — all at the same time. Send me a brief, and I’ll help you build a finance function that is investor-ready, AI-aware, automated, and designed for the next stage of growth.

Is your data hard to read, hard to trust, or just sitting there unused? I help businesses turn raw data into clear, interactive dashboards and automated reports — so your team makes faster decisions with less manual work. What I deliver: ▪ Interactive dashboards in Power BI, Excel & Google Sheets ▪ Financial reports — P&L, Budget vs Actual, Cash Flow, KPI tracking ▪ Sales, HR & operational analytics ▪ Data cleaning & reconciliation (SAP, SQL, Excel, 1C, Google Sheets) ▪ Workflow automation — reduce manual reporting by up to 70% Who I work with: Finance teams · CFOs · Operations managers · Small & mid-size businesses · Startups Why clients choose me: ▪ 4+ years as Financial / BI Analyst at ADAMA Ltd. (Syngenta Group) ▪ Master's in Accounting & Data Analysis ▪ Top Rated | 100% Job Success on Upwork ▪ 0–4 hr response | Fast delivery | Clear communication I don't just build dashboards — I make sure your data actually works for your business. Ready to make your data useful? Let's talk.

With over five years of experience in a prominent financial fund, I've honed my expertise in several critical areas of financial development and stock market services: - Algo-trading: I design and implement efficient and robust trading algorithms, catering to various financial instruments. - Stock Alerts: Leveraging my proprietary tool that scans over 10,000 stocks, I generate accurate and timely trading signals and alerts. - Stock Analysis: I provide detailed and insightful stock analyses, based on extensive data processing and advanced market data subscriptions. - Trading Strategies: I devise effective trading strategies, which I meticulously backtest and optimize for increased profitability and risk management. My comprehensive understanding of the stock market dynamics, coupled with practical skills and hands-on experience, positions me as a trusted choice for your financial development project needs on Upwork. My commitment is to integrate my knowledge, skills, and experience to deliver exceptional and tailored services for every project. I am also a full-stack Python developer for over 4 years. I strive to translate ideas into functionality that is useful and works great. I have solid experience in automation, working with API keys and access, as well as in developing trading bots of various complexity, processes and platforms. In our time, when artificial intelligence technologies are rapidly developing, I have mastered the creative space for myself, in the development and creation of creative commercial images and video animations, of any complexity and high quality. Writing prompts for this, and fulfilling creative orders inspire me.