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Senior Accountant | Fractional CFO | Ecommerce, Real Estate & SaaS Financial Expert I am a Senior Accountant and Fractional CFO with 7+ years of experience helping businesses streamline their finances, improve profitability, and make data-driven decisions. I have worked with CPA firms, ecommerce brands, real estate companies, SaaS businesses, and service-based industries. My expertise includes full-cycle accounting, financial reporting, budgeting, forecasting, and cash flow management. I specialize in building accurate and clean financial systems, preparing daily/monthly P&L reports, and delivering actionable insights that support business growth. I have hands-on experience with tools like NetSuite, QuickBooks, Xero, Shopify, Amazon, and advanced Google Sheets, allowing me to manage multi-channel financial data efficiently. I don’t just record numbers, I analyze them, identify gaps, and help improve financial performance. I am highly detail-oriented, reliable, and committed to maintaining accuracy, consistency, and strong financial discipline in every project. If you’re looking for someone who can take ownership of your accounting and provide CFO-level insights, I’m here to help. Thank you

Raising capital? Managing runway? Building a financial model for investors, lenders, or strategic decision-making? I help startups, SMEs, and growing businesses build investor-ready financial models, forecasts, dashboards, and reporting systems that turn numbers into actionable business decisions. With 13+ years of experience and 250+ completed projects, I have supported companies across SaaS, healthcare, real estate, infrastructure, e-commerce, and professional services with: ✔ Financial Modeling & Forecasting ✔ FP&A (Financial Planning & Analysis) ✔ Cash Flow Forecasting & Runway Analysis ✔ Fundraising & Investor-Ready Models ✔ 3-Statement Financial Models ✔ SaaS Metrics (MRR, ARR, CAC, LTV, Churn) ✔ Budgeting & Strategic Planning ✔ Board & Investor Reporting ✔ Business Valuation & DCF Analysis ✔ KPI Dashboards & Management Reporting ✔ Excel, Power BI, Python & Reporting Automation Recent engagements have included fundraising models, board reporting frameworks, forecasting systems, valuation models, acquisition analysis, and automated reporting solutions that improve visibility into business performance and support strategic growth initiatives. Why clients work with me: • FMVA® Certified Financial Modeler • 13+ Years of Finance & FP&A Experience • 250+ Successful Projects Delivered • Top Rated Upwork Freelancer • Strong Focus on Accuracy, Transparency, and Business Impact Whether you need a robust financial model, ongoing FP&A support, investor reporting, or a strategic finance partner, I can help you build the financial clarity needed to make confident business decisions. Let's discuss your project.

I build finance engines that scale - ERP, payroll, cash flow, investor reporting, performance analysis: clean processes, fast closes, zero surprises. I’m a Finance Transformation consultant & fractional CFO (10+ years) who designs and implements the systems that keep you in control as you grow. I work with construction, real estate, and e-commerce/retail teams to replace spreadsheet chaos with documented processes, the right ERP, tight payroll, reliable cash visibility, and investor-grade reporting. My PACE Framework P – Process: map current → target, define roles (RACI), close calendar, approval matrices A – Automate: select/configure ERP and connectors (AP, payroll, banks, 3PL/Procore/Shopify) C – Control: policies, audit trails, reconciliations, month-end checklists, KPIs E – Enable: train your team, hand over SOPs + dashboards, set cadence What I can take off your plate - Pick and set up the right accounting system (QBO/Xero/Zoho/NetSuite, Sage 100 Contractor) and migrate data without drama. - Map your key processes (purchase-to-pay, order-to-cash, month-end) and turn them into simple, usable SOPs. - Fix payroll and time: capture hours, allocate to jobs/departments, and post a clean journal to the GL. - Build a cash model and set up weekly habits for collections and payables. - Construction: cost codes, WIP/% complete, over/under billing, and AIA G702/G703 that gets approved first time. - E-commerce: inventory/COGS that ties out, and Shopify/Amazon/Stripe/PayPal payouts that actually match the books. - Fundraising prep: 3-statement model, tidy data room, and a clear metrics deck. - Ongoing reporting: straightforward dashboards and board/investor packs the team will actually read. How we’ll work - Quick call + light file review → I send a one-page plan with a couple of quick wins. - Stabilize what’s noisy (bank rules, chart, close checklist), then tackle the bigger pieces. - Train your team or put a dedicated team housed within our firm

Need a sharp, CFA-level financial modeler to help you raise capital, forecast growth, and make smarter financial and investment decisions? You’re in the right place. I’m a performance-driven Finance professional with 10+ years of experience in financial modeling, forecasting, FP&A, budgeting, valuation, and corporate finance — helping founders, investors, and executive teams turn data into decisions that drive real results. With a background spanning Oil & Gas, SaaS, Manufacturing, Construction, Real Estate, and Asset Management ($1B+ AUM), I combine deep accounting and analytical expertise (IFRS, financial statements, ERP systems) with strategic financial leadership to deliver actionable insights, precise models, and decision-ready reports. ⚙️ What I Do I build clear, dynamic, and investor-ready financial models and reporting systems that help you take control of your numbers and plan with confidence: ✅ 3-Statement Financial Modeling — Integrated P&L, Balance Sheet & Cash Flow with charts, ratios, and scenario testing ✅ Valuation & Investment Models — DCF, IRR, NPV, payback, comps, and capital budgeting analysis ✅ FP&A & Budgeting Systems — Forecasting, cost optimization, and variance tracking dashboards ✅ Cash Flow Forecasting — Weekly, monthly, and 13-week rolling models for liquidity and runway planning ✅ KPI & Performance Dashboards — LTV/CAC, ROI, burn rate, margin tracking in Excel or Google Sheets ✅ Cap Table & Equity Modeling — Ownership dilution, fundraising scenarios, LP/GP waterfalls ✅ Scenario & Sensitivity Analysis — Base, bear, and bull cases to guide confident decision-making ✅ Management & IFRS Reporting — Investor, board, and audit-ready financial packages 🧠 Why Clients Hire Me ✔️ Strategic + Technical: I bridge accounting precision with investor-grade financial storytelling ✔️ Flexible & Scalable: Tailored solutions for startups, SMEs, and established enterprises ✔️ Industry Versatility: From SaaS and AI startups to multi-branch manufacturing and real estate firms ✔️ Proven Impact: Built dashboards that cut overhead by 20%, shortened month-end closes from 7 days to 5 hours, and helped clients avoid cash crunches months in advance 🌎 Industries I Serve SaaS, Tech & eCommerce Manufacturing & Construction Real Estate & Investment Firms Healthcare & Private Practices Traditional & Alternative Investments 📊 Results You Can Expect Accurate forecasts that attract investors and lenders Data-driven insights that optimize growth and profitability Clean, automated models that simplify complex decisions Financial clarity that lets you run your business like a CFO 📩 Let’s Talk If you’re looking for a trusted financial partner to help you understand your numbers, build investor-ready financial models, or take control of your financial strategy — send me a quick message. I’ll tell you exactly how I can help or point you in the right direction.

𝗥𝗲𝘀𝘂𝗹𝘁𝘀-𝗗𝗿𝗶𝘃𝗲𝗻 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗲𝗿 | 𝗙𝗿𝗮𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗙𝗢 | 𝗦𝗲𝗻𝗶𝗼𝗿 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 | 𝗩𝗶𝗿𝘁𝘂𝗮𝗹 𝗔𝘀𝘀𝗶𝘀𝘁𝗮𝗻𝘁 𝘄𝗶𝘁𝗵 𝟵+ 𝗬𝗲𝗮𝗿𝘀 𝗼𝗳 𝗘𝘅𝗰𝗲𝗹𝗹𝗲𝗻𝗰𝗲 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝘁𝗼 𝗠𝘆 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗪𝗼𝗿𝗹𝗱 𝗪𝗵𝗲𝗿𝗲 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗠𝗲𝗲𝘁𝘀 𝗣𝗿𝗲𝗰𝗶𝘀𝗶𝗼𝗻 Hello, I'm Saira Tehmin 😊 , a highly skilled Financial Controller, CFO, Senior Accountant, and Virtual Assistant with over 9 years of hands-on experience supporting businesses across industries from Accounting and CPA firms to eCommerce, Real Estate, IT, and Law Firms. As a Senior Financial Controller and Virtual CFO, I turn complex financial data into crystal-clear, actionable insights. I don’t just balance books I build systems that drive smarter decisions, improve profitability, and keep your business audit-ready. I proudly serve clients in the United States and across the globe, adapting to your time zone and compliance needs with ease and precision. ✅ 𝗠𝘆 𝗘𝘅𝗽𝗲𝗿𝘁 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗮𝘀 𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗖𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗲𝗿 | 𝗖𝗙𝗢 | 𝗦𝗲𝗻𝗶𝗼𝗿 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗻𝘁 | 𝗩𝗔: ✔️ Financial Reporting & Strategic Insights ✔️ Budgeting, Forecasting & Cash Flow Management ✔️ Tax Preparation, Planning & Compliance ✔️ Payroll, AP/AR Management ✔️ Monthly Bank & Credit Card Reconciliation ✔️ Inventory Management & Cost Accounting ✔️ Financial Analysis & KPI Development ✔️ Audit Preparation & Regulatory Reporting ✔️ Business Process Optimization ✔️ Financial Modeling & Dashboards ✔️ QuickBooks Online, NetSuite, Xero, ZohoBooks, Sage & Wave ✔️ CRM Integration & Donor Accounting (for Nonprofits) ✔️ Virtual Financial Assistance & Admin Support Whether you need a Fractional CFO for strategic planning, a Senior Accountant for clean monthly books, or a Virtual Assistant for ongoing financial admin, I provide dependable, detail-focused support designed to elevate your operations no matter where you're located. 𝗪𝗵𝘆 𝗖𝗵𝗼𝗼𝘀𝗲 𝗠𝗲? 1- Proven track record as a Financial Controller and CFO for fast-growing and global businesses 2-Skilled at turning financial data into business decisions that drive growth and confidence 3-Tech-savvy with expertise in modern cloud-based accounting tools and automation 4-Committed to data security, clear communication, and consistent delivery Let’s collaborate to simplify your finances, boost profitability, and bring structure to your success. Whether you're a startup seeking clarity or an established company preparing for scale I’m here to help as your trusted Financial Controller, Senior Accountant, or Virtual CFO. Let’s connect and build financial confidence no matter where your business is based! Warm regards, Saira Tehmin Financial Controller | CFO | Senior Accountant | Virtual Assistant

🔷 PROFILE SUMMARY Most businesses don’t have a numbers problem, they have a decision problem. The data exists, but leadership doesn’t fully trust it to make confident decisions. I build financial decision systems that fix that gap and show where money is made, lost, and where to act next. 🔷 WHAT MAKES ME DIFFERENT • Former P&L owner for an $18M services business (300+ team) • Kellogg MBA + US CPA candidate • Founder of Finesse Technologies:- a fractional CFO and financial consulting practice serving founder-led businesses and SMBs across North America • 10+ years working with ERP, payroll, and operational data. • I build decision-ready financial outputs, not reports that sit in a folder I’m newer to Upwork, but not new to this work. My first engagement here just completed with a 5⭐review, happy to connect you directly with the founder as a reference at the right stage. 🔷 WHO I WORK WITH Founder-led businesses ($2M–$50M revenue) SaaS, services, digital marketing and eCommerce businesses Teams with fragmented financial data needing consolidation and reporting 🔷 RECENT PROJECTS • Multi-channel P&L & margin system - specialty food brand (Retail + Luxury hospitality) Product-level COGS analysis and channel contribution model now used in leadership planning meetings. • DTC / eCommerce financial analysis - SKU-level margin visibility Identified underperforming products driving cash burn, reoriented pricing strategy by contribution margin per channel. • 13-week cash flow & runway model - founder at growth inflection point gave leadership line-of-sight on liquidity. Informed a hiring decision worth $200K annually. • 3-statement financial model + fundraising materials - growth-stage business. Used directly in investor conversations. • $500K cost savings identified - multi-year ERP data analysis Across vendors, staffing, and operational inefficiencies. 🔷 SERVICES Cash flow forecasting, budgeting, and FP&A Financial modeling (3-statement, SaaS, scenario analysis) KPI dashboards and management reporting D2C / eCommerce financial analysis (LTV, CAC, margins) Fractional CFO support 🔷 CLOSING If your numbers don’t fully explain where to scale, what to fix, or what to stop, that’s where I can help. Let's talk ! Global | US, Canada, and APAC time zone friendly