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I am a finance and accounting professional with 15+ years of experience, including an audit background in Big4. I currently serve as a CFO, specializing in industries including SaaS, E-commerce, Gaming, IT Service and Manufacturing. I am Fractional CFO equipped to optimize your finance department or build one from the scratch: - Accounting - Financial reporting (standalone and by projects) - Budgeting - KPI dashboards - Automation and process set up. In my work I use Odoo (open source business apps) that cover all company business process. In addtition, I have deep expertise in Financial modeling for existed projects and startups. Over the past few years, I have specialized in raising financing for startups by extensively creating financial models and developing investor pitches , VC presentations. In addition to my experience and personal qualities, I have a solid educational background in finance, and I have Advanced Diploma in accounting and business from ACCA (Associate Chartered Certified Accountant)

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.

I build financial models you can trust - accurate, actionable FP&A for SaaS & ecommerce businesses. My work helps you: - Make confident strategic and operational decisions - Forecast cash flow, unit economics, and contribution margins reliably - Test multiple scenarios dynamically without breaking the model - Produce dashboards and reports leadership will actually use - Identify the real drivers of profitability and growth quickly I’ve helped teams clean messy data, reconcile complex models, and create board-ready forecasts and scenario analyses - all designed to be auditable, easy to understand, and immediately useful. I’m an institutionally-trained U.S. finance professional currently based in Portugal, working with U.S. and European clients. With over 20 years of experience across across SaaS, Ecommerce, and operating businesses, I build custom, decision-ready financial models that go far beyond spreadsheets. My work focuses on clarity - testing assumptions, evaluating trade-offs, and answering the specific questions leadership teams are actually facing. I recently partnered with a $25M ARR bootstrapped California B2B SaaS company, building driver-based financial models, revenue forecasts, and scenario analyses used directly to support growth strategy. Other contributions included accounting and CRM data cleaning for SaaS needs, pricing decisions, incentive comp revision, and capital allocation. I’m most often brought in when an existing model is confusing, fragile, or not supporting real decisions - or when a founder or executive needs a clear framework to evaluate growth, profitability, pricing, hiring, or capital needs. Typical engagements include: - Financial modeling (operating, forecasting, scenario-based) - Cash-flow and runway planning - SaaS metrics, ARR waterfalls, and revenue modeling - Unit economics, CAC, payback, and pricing analysis - Scenario testing (growth vs. profitability, spend, hiring, capital) - Review, correction, and simplification of existing models I’ve worked with bootstrapped startups, venture-backed companies, and established firms. My models are frequently reviewed directly by sophisticated investors and experienced finance professionals, and are valued for their clarity, rigor, and practicality. While I’ve held CFO and fractional CFO roles, my strongest value - and where I spend most of my time - is building and refining the financial models that underpin strategy and decision-making. Working style & availability: Native English speaker, currently available for ongoing or project-based work. I operate primarily on UTC/GMT+0 hours with overlap for U.S. teams. If you’re trying to understand a business question, test a hypothesis, or make a meaningful decision and want a model that actually helps, I’m happy to discuss the problems you're trying to solve and whether I’m a strong fit.

💼 🇨🇦 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.

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

Business decisions cannot wait for slow, static spreadsheets. Founders need faster forecasts, clearer scenarios, and financial models that evolve with the business. This is where I help. I am an AI-enabled Fractional CFO and Financial Modeling Expert helping startups, SMEs, and growing companies turn business assumptions into clear financial models, forecasts, dashboards, and actionable insights. I combine 10+ years of financial modeling experience with AI-assisted workflows to build and customize models faster, test scenarios efficiently, structure assumptions, and prepare investor-ready outputs. Every model is carefully reviewed, tailored to the business, and designed for practical decision-making. As the founder of FinancialModelsLab, I have developed and customized financial planning tools across multiple industries, with 20,000+ template sales worldwide. WHAT I HELP YOU DO ✅ Build an investor-ready financial model Revenue drivers, operating costs, three financial statements, cash flow, sources and uses of funds, break-even analysis, and valuation. ✅ Understand cash runway and funding needs Burn rate, liquidity planning, working capital, capital requirements, and base, upside, and downside scenarios. ✅ Make faster decisions with AI-enabled financial analysis AI-assisted research, model customization, scenario testing, structured assumptions, and clear management insights. ✅ Reach and improve profitability Unit economics, pricing, margins, cost structure, break-even points, and the key drivers of sustainable growth. ✅ Prepare for fundraising Investor-ready projections, valuation support, financial sections for business plans, pitch deck financial slides, and clear financial narratives. ✅ Improve financial planning and reporting Budgets, forecasts, KPI dashboards, variance analysis, and easy-to-update reporting tools. ✅ Model your industry-specific economics SaaS, e-commerce, marketplaces, real estate, healthcare, restaurants, service businesses, and other startup and SME models. CORE SERVICES • AI-enabled Fractional CFO support • Financial modeling and forecasting • Three-statement financial models • Startup and SME financial projections • Cash flow, burn rate, and runway analysis • Budgeting, FP&A, and scenario planning • SaaS metrics, unit economics, and pricing analysis • KPI dashboards and management reporting • Business valuation and DCF models • Sources and uses of funds • Break-even and sensitivity analysis • Business plan financial sections • Pitch deck financial slides • Customization and improvement of existing financial models • Real estate and investment financial models WHY WORK WITH ME? ✅ 10+ years of financial modeling experience ✅ 100% Job Success on Upwork ✅ 150+ Upwork projects ✅ Founder of FinancialModelsLab ✅ 20,000+ financial template sales worldwide ✅ Practical models that are structured, transparent, and easy to update ✅ AI-assisted workflows combined with careful financial review TECH STACK Excel | Google Sheets | ChatGPT | Claude | AI-assisted research | Scenario analysis | Financial dashboards | Forecasting workflows LET’S TALK A good financial model should not be a complicated spreadsheet that sits unused after delivery. It should help you understand your business, make faster decisions, prepare for investor questions, and identify the most realistic path to profitability. Custom financial modeling projects usually start at $500. Send me a brief description of your business, your goals, and your deadline. I will recommend the right scope and next steps.