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Hi, I am Sumra Latif, a professional financial modelling expert with over 14 years of experience in creating integrated financial models for financial institutions. I am an expert Treasury professional with over 14 years of experience working in the financial services industry. I have a Master of Science (Management Science) and an MBA in finance degree with major research experience in investment, business, and finance. *Key Skills: Financial Modelling, Financial analysis, Business analysis, research writing, article writing and investment trading for capital market and forex. Let's Collaborate: Thank you for considering my profile. I look forward to the opportunity to work together!

Financial Modeler & Startup Business Plan Expert , 3-Statement Models, Forecasting, Excel Dashboards Overview I build financial models and business plans that founders actually use to raise capital, control cash flow, and scale profitably. What I do for you: 1. Financial Modeling & Forecasting 3-statement models, DCF, LBO, cash flow projections, scenario + sensitivity analysis in Excel/Google Sheets. As of now i have prepared 71 financial models for clients in different businesses which helped clients manage cashflow and expenses and project future revenues clearly. 2. Startup Business Plans & Investor Decks Bank-ready plans, pitch deck financials, funding strategy. Helped 16 founders raise capital from angels/VCs. 3. Budgeting & KPI Dashboards Budget vs actual, variance analysis, automated Excel dashboards to track burn rate, gross margin, CAC, runway. 4. Accounting Clean-up & Reporting Full-cycle AP/AR, reconciliations, month-end close, clean books for due diligenceIndustries: SaaS, E-commerce, Manufacturing, Real Estate, Professional Services Why clients hire me: 16 years hands-on finance Excel automation experience Models delivered in 48-72 hours with clear documentationI Explain numbers in plain English, not finance jargon Ready to get clarity on your numbers? Message me with your project details + deadline. I’ll reply with a scope + fixed quote within 2 hours.

𝐃𝐞𝐥𝐢𝐯𝐞𝐫𝐞𝐝 𝐇𝐢𝐠𝐡‑𝐈𝐦𝐩𝐚𝐜𝐭 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥𝐬 & 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐏𝐥𝐚𝐧𝐬 – 𝐑𝐚𝐢𝐬𝐞𝐝 𝐨𝐯𝐞𝐫 𝐔𝐒$𝟓 𝐌 𝐟𝐨𝐫 𝟐𝟎+ 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 As a 𝐓𝐨𝐩‑𝐑𝐚𝐭𝐞𝐝 𝐂𝐡𝐚𝐫𝐭𝐞𝐫𝐞𝐝 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐧𝐭 (𝐂𝐏𝐀 𝐞𝐪𝐮𝐢𝐯𝐚𝐥𝐞𝐧𝐭) with 𝟕+ 𝐲𝐞𝐚𝐫𝐬’ 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 in financial modelling, business planning and bookkeeping, I turn complex numbers into clear insights. After four years with 𝐔𝐇𝐘 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥 (a global audit and advisory network), I founded 𝐆𝐫𝐨𝐰𝐢𝐬𝐞 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭𝐬 to help founders and SMEs access corporate‑quality finance expertise. Since then I’ve built bespoke models and investment materials that have enabled 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐭𝐰𝐞𝐧𝐭𝐲 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 across SaaS, e‑commerce, Proptech, Hospitality, real estate, Solar Energy, and other industries to secure 𝐨𝐯𝐞𝐫 𝐔𝐒$𝟓 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 in funding and make informed decisions. Do your numbers tell a story investors can trust? If fundraising, budgeting or cash‑flow management feels daunting, I can bridge the gap. By combining 𝐅𝐏&𝐀 skills, 𝐝𝐲𝐧𝐚𝐦𝐢𝐜 𝟑‑𝐬𝐭𝐚𝐭𝐞𝐦𝐞𝐧𝐭 𝐦𝐨𝐝𝐞𝐥𝐥𝐢𝐧𝐠 and 𝐂𝐅𝐎‑𝐥𝐞𝐯𝐞𝐥 𝐢𝐧𝐬𝐢𝐠𝐡𝐭, I ensure your financials speak the language of investors and board members. My Proven Process - 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐀𝐥𝐢𝐠𝐧𝐦𝐞𝐧𝐭 – I start with a deep‑dive into your business model, market sizing (TAM/SAM/SOM), go‑to‑market strategy and cost drivers so the financial model reflects your unique reality. - 𝐂𝐮𝐬𝐭𝐨𝐦 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐓𝐨𝐨𝐥𝐬 – I build dynamic 𝟑‑𝐬𝐭𝐚𝐭𝐞𝐦𝐞𝐧𝐭 𝐦𝐨𝐝𝐞𝐥𝐬 (P&L, balance sheet, cash flow) with 𝟑‑𝟓‑𝐲𝐞𝐚𝐫 𝐟𝐨𝐫𝐞𝐜𝐚𝐬𝐭𝐬, revenue modelling, 𝐃𝐂𝐅/𝐍𝐏𝐕/𝐈𝐑𝐑 𝐯𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧𝐬, unit economics, cap table modelling and 𝐬𝐜𝐞𝐧𝐚𝐫𝐢𝐨 & 𝐬𝐞𝐧𝐬𝐢𝐭𝐢𝐯𝐢𝐭𝐲 𝐚𝐧𝐚𝐥𝐲𝐬𝐢𝐬. Models can integrate with 𝐐𝐮𝐢𝐜𝐤𝐁𝐨𝐨𝐤𝐬 𝐨𝐫 𝐗𝐞𝐫𝐨 for real‑time data. - 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫‑𝐆𝐫𝐚𝐝𝐞 𝐌𝐚𝐭𝐞𝐫𝐢𝐚𝐥𝐬 – I prepare 𝐝𝐚𝐭𝐚‑𝐛𝐚𝐜𝐤𝐞𝐝 𝐩𝐢𝐭𝐜𝐡 𝐝𝐞𝐜𝐤𝐬, bank‑ready business plans and investor memoranda that tell a compelling story. I also support cap table planning, 𝐟𝐮𝐧𝐝𝐫𝐚𝐢𝐬𝐢𝐧𝐠 𝐐&𝐀 and ongoing updates. Core Expertise - 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐌𝐨𝐝𝐞𝐥𝐥𝐢𝐧𝐠 & 𝐕𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧 – dynamic 3‑statement models; SaaS, e‑commerce, real estate and subscription revenue models; 𝐃𝐂𝐅, 𝐈𝐑𝐑, 𝐩𝐚𝐲𝐛𝐚𝐜𝐤 𝐩𝐞𝐫𝐢𝐨𝐝, unit economics and 𝐬𝐞𝐧𝐬𝐢𝐭𝐢𝐯𝐢𝐭𝐲 𝐚𝐧𝐚𝐥𝐲𝐬𝐢𝐬. - 𝐈𝐧𝐯𝐞𝐬𝐭𝐨𝐫 𝐑𝐞𝐚𝐝𝐢𝐧𝐞𝐬𝐬 – pitch decks from Seed to Series C; investor‑grade business plans; pro forma statements and executive summaries; 𝐊𝐏𝐈 𝐝𝐚𝐬𝐡𝐛𝐨𝐚𝐫𝐝𝐬 (churn, burn, runway, ARR/MRR) using Excel/Google Sheets/Power BI/Fathom. - 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 & 𝐕𝐢𝐫𝐭𝐮𝐚𝐥 𝐂𝐅𝐎 𝐒𝐞𝐫𝐯𝐢𝐜𝐞𝐬 – budgeting & FP&A, 𝐜𝐚𝐬𝐡‑𝐟𝐥𝐨𝐰 𝐟𝐨𝐫𝐞𝐜𝐚𝐬𝐭𝐢𝐧𝐠, working capital optimisation, variance & cost analysis, 𝐛𝐨𝐚𝐫𝐝 𝐚𝐧𝐝 𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫 𝐫𝐞𝐩𝐨𝐫𝐭𝐢𝐧𝐠, monthly close, reconciliations and internal controls. - 𝐁𝐨𝐨𝐤𝐤𝐞𝐞𝐩𝐢𝐧𝐠 & 𝐂𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 – full‑cycle bookkeeping and financial records management. I handle 𝐛𝐚𝐧𝐤 𝐫𝐞𝐜𝐨𝐧𝐜𝐢𝐥𝐢𝐚𝐭𝐢𝐨𝐧𝐬, 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬 𝐫𝐞𝐜𝐞𝐢𝐯𝐚𝐛𝐥𝐞/𝐩𝐚𝐲𝐚𝐛𝐥𝐞, invoicing and 𝐩𝐚𝐲𝐫𝐨𝐥𝐥 𝐩𝐫𝐨𝐜𝐞𝐬𝐬𝐢𝐧𝐠; track inventory and COGS, manage 𝐦𝐮𝐥𝐭𝐢‑𝐜𝐮𝐫𝐫𝐞𝐧𝐜𝐲 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬 and support 𝐭𝐚𝐱 𝐚𝐧𝐝 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐨𝐫𝐲 𝐟𝐢𝐥𝐢𝐧𝐠𝐬. I can prepare GAAP/IFRS‑compliant reports. -𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 𝐒𝐲𝐬𝐭𝐞𝐦𝐬 – I can set up or migrate you to 𝐎𝐝𝐨𝐨, 𝐐𝐮𝐢𝐜𝐤𝐁𝐨𝐨𝐤𝐬, 𝐗𝐞𝐫𝐨, 𝐅𝐫𝐞𝐬𝐡𝐁𝐨𝐨𝐤𝐬 𝐨𝐫 𝐙𝐨𝐡𝐨 𝐁𝐨𝐨𝐤𝐬, build a customised 𝐜𝐡𝐚𝐫𝐭 𝐨𝐟 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐬, automate data flows and integrate with your 𝐏𝐎𝐒, 𝐂𝐑𝐌 𝐚𝐧𝐝 𝐩𝐚𝐲𝐫𝐨𝐥𝐥 𝐚𝐩𝐩𝐬. -𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 𝐀𝐝𝐯𝐢𝐬𝐨𝐫𝐲 – fundraising strategy, cap table management, cost optimisation and risk management. I help craft growth strategies and support investor relations. Software & Tools Excel (advanced), Google Sheets, PowerPoint, Canva, Odoo, QuickBooks, Xero, Stripe, Wise, Airtable. Industries Served SaaS, 𝐅𝐢𝐧𝐓𝐞𝐜𝐡, Proptech, Hospitality, e‑commerce, 𝐫𝐞𝐚𝐥 𝐞𝐬𝐭𝐚𝐭𝐞 & 𝐜𝐨𝐧𝐬𝐭𝐫𝐮𝐜𝐭𝐢𝐨𝐧, manufacturing, healthcare, Solar Energy, legal & litigation funds, startups & accelerators and service‑based agencies. 𝐖𝐡𝐲 𝐖𝐨𝐫𝐤 𝐖𝐢𝐭𝐡 𝐌𝐞? - 𝐂𝐡𝐚𝐫𝐭𝐞𝐫𝐞𝐝 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐧𝐭 & 𝐅𝐌𝐕𝐀® 𝐜𝐞𝐫𝐭𝐢𝐟𝐢𝐞𝐝 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 with 𝟕+ 𝐲𝐞𝐚𝐫𝐬 in financial modeling, FP&A, and business planning. - Ex-𝐔𝐇𝐘 𝐈𝐧𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐜𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭 & founder of 𝐆𝐫𝐨𝐰𝐢𝐬𝐞 𝐂𝐨𝐧𝐬𝐮𝐥𝐭𝐚𝐧𝐭𝐬, blending Big-4-level rigor with startup agility. - 𝐓𝐨𝐩 𝐑𝐚𝐭𝐞𝐝 on Upwork with 𝟐𝟎+ 𝐜𝐥𝐢𝐞𝐧𝐭𝐬 𝐚𝐧𝐝 𝐔𝐒$𝟓𝐌+ 𝐫𝐚𝐢𝐬𝐞𝐝. Strategic, detail-oriented, and deadline-driven 𝐌𝐞𝐬𝐬𝐚𝐠𝐞 𝐦𝐞 𝐭𝐨 𝐬𝐜𝐡𝐞𝐝𝐮𝐥𝐞 𝐚 𝐟𝐫𝐞𝐞 𝐝𝐢𝐬𝐜𝐨𝐯𝐞𝐫𝐲 𝐜𝐚𝐥𝐥 and let’s build the roadmap that moves your business forward.

As a highly qualified treasury professional and freelancer, with credentials like CFA and ACCA, I specialize in financial modeling, financial analysis, and accounting. My focus on client satisfaction has led to a strong Job Success Score (JSS) and lasting client relationships on Upwork. I have a proven track record of successfully completing diverse and complex projects, consistently delivering high-quality results. I am dedicated to exceeding client expectations and am eager to bring this level of commitment and expertise to new opportunities on Upwork.

𝐀𝐂𝐂𝐀 𝐅𝐢𝐧𝐚𝐥𝐢𝐬𝐭 · 𝐅𝐌𝐕𝐀 𝐂𝐞𝐫𝐭𝐢𝐟𝐢𝐞𝐝 · 𝐏𝐰𝐂-𝐓𝐫𝐚𝐢𝐧𝐞𝐝 · 𝐔𝐀𝐄 𝐓𝐚𝐱𝐚𝐭𝐢𝐨𝐧 𝐂𝐞𝐫𝐭𝐢𝐟𝐢𝐞𝐝 If you need a financial model that survives investor due diligence, a business plan that gets the bank loan approved, a pitch deck that compels a Series A check, or a valuation that holds up in a boardroom, you are in the right place. Every engagement starts with understanding your business, not copying a template. I build everything around your exact numbers, assumptions, and objectives. No locked sheets. No black boxes. No generic outputs. You own everything and can update it yourself. 𝐖𝐡𝐚𝐭 𝐈 𝐝𝐞𝐥𝐢𝐯𝐞𝐫: 𝐂𝐨𝐫𝐩𝐨𝐫𝐚𝐭𝐞 𝐅𝐢𝐧𝐚𝐧𝐜𝐞 & 𝐌𝐨𝐝𝐞𝐥𝐢𝐧𝐠 ◾ 3-statement financial models (P&L, balance sheet, cash flow, fully integrated) ◾ M&A, LBO modeling, and deal structuring support ◾ Business valuation (DCF, comparable company analysis, asset-based) ◾ Real estate modeling (senior debt, seller financing, equity waterfall) ◾ SaaS modeling (MRR, ARR, CAC, LTV, cohort revenue, churn) 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐜 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 & 𝐅𝐮𝐧𝐝𝐫𝐚𝐢𝐬𝐢𝐧𝐠: ◾ Pitch deck financial models built for fundraising rounds ◾ Investment-grade business plans for bank financing ◾ 5-year projections, scenario analysis, and sensitivity testing ◾ Feasibility studies for new ventures and expansion 𝐀𝐜𝐜𝐨𝐮𝐧𝐭𝐢𝐧𝐠 & 𝐓𝐚𝐱 𝐂𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞: ◾ QuickBooks Online setup, reconciliations, and management reporting ◾ Budgeting, rolling forecasts, and monthly variance analysis ◾ UK VAT returns, corporation tax computations, and HMRC compliance 𝐑𝐞𝐜𝐞𝐧𝐭 𝐰𝐨𝐫𝐤: → 10-slide institutional buy-side M&A pitch deck for a $485mm LBO (31.8% IRR, $117mm synergy NPV) backed by a 14-tab, fully linked 3-statement Excel model. Board-submission grade. → 33-sheet SaaS financial model with cohort revenue, unit economics, and burn rate scenarios for a seed funding round. → AI-powered portfolio monitoring system for an institutional investor managing US and Asian equity. → 20-sheet multifamily real estate acquisition model with a 45-check audit sheet. 𝐄𝐯𝐞𝐫𝐲 𝐝𝐞𝐥𝐢𝐯𝐞𝐫𝐚𝐛𝐥𝐞 𝐢𝐬: Fully formula-driven · Audit-ready · Built to Big 4 standard · Backed by 7 days of free post-delivery support. 𝐌𝐞𝐬𝐬𝐚𝐠𝐞 𝐦𝐞 𝐰𝐢𝐭𝐡: (1) what you need, (2) your deadline, and (3) the single biggest number keeping you up at night. I'll reply with exactly how I can help.

• Chartered Accountant, Master of Business Administration (MBA), Certified Risk Manager • Over 15 years of experience in accounts, finance, audit, and risk management • Ex-Ernst & Young (Big-4) Alumnus Core Services: • Financial Modeling and Financial Projections • Financial Planning, Budgeting, and Forecasting • Financial Analysis using Microsoft Excel and Google Sheets • Internal Audit, External Eudit, and Eisk Eanagement • Accounting and Bookkeeping using QuickBooks and Xero • Corporate Trainings, Teaching, Tutor • Contents Writing, MCQs Development, Pre-Employement Screening Test Development Professional Expertise in: • Accounting Principles and Internal Financial Reporting Standards (IFRS) • International Standards on Auditing (ISAs) an Global Internal Audit Standards (GIAS) • ISO 31000 Risk Management, COSO Risk Management Framework • COSO internal Control Systems