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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 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-Enabled Fractional CFO | Crisis, Runway & Strategic Finance | $1B+ Raised | IPO & ICO Experience | Top Rated Plus Cash is tighter. Runways are shorter. Investors are asking harder questions. And finance teams are being forced to move faster than traditional spreadsheets and monthly reporting cycles can handle. This is where I help. I’m a Canadian CFA Charterholder and AI-enabled Fractional CFO helping founder-led companies regain financial control, extend runway, and build faster, smarter finance systems for uncertain markets. I work with companies facing cash constraints, missed targets, investor scrutiny, operational complexity, or rapid growth that has outpaced the finance function. My role is to bring CFO-level judgment, crisis discipline, and AI-enhanced financial infrastructure so leadership can make better decisions with greater speed and confidence. I’ve supported companies through liquidity challenges, emergency fundraising, restructurings, board-level reporting, and high-stakes investor processes — building institutional-grade financial models and finance systems that have supported over $1B in capital raised across North America and Europe. What I Help You Do ✅ Extend runway and manage downside risk AI-enhanced cash flow forecasting, 13-week cash models, burn analysis, liquidity planning, and survival scenarios. ✅ Build an AI-powered finance function Automated reporting, forecasting workflows, anomaly detection, KPI monitoring, and finance processes that reduce manual work. ✅ Stabilize during uncertainty or crisis Rapid financial diagnostics, cost restructuring, cash controls, and decision frameworks for high-pressure situations. ✅ Turn financials into a real-time decision engine Dashboards, automated variance analysis, AI-assisted CFO memos, scenario planning, and actionable insights — not static monthly reports. ✅ Reach or accelerate profitability Unit economics, pricing strategy, margin expansion, KPI discipline, and operating leverage analysis. ✅ Raise capital in tougher markets Investor-grade models, downside cases, bridge financing support, board materials, and narratives that withstand scrutiny. ✅ Model AI-native business economics Token costs, usage-based pricing, gross margin pressure, customer profitability, AI credit systems, and scalable monetization models. Core Services • AI-enabled Fractional CFO — strategic and crisis leadership • AI-powered FP&A, reporting, and financial automation • Cash flow, liquidity, and runway management, including 13-week models • Financial modeling — 3-statement, SaaS, marketplace, usage-based, scenario, and stress-tested models • AI business model analysis — token economics, credit systems, gross margin, usage pricing • Budgeting, forecasting, and scenario planning • KPI dashboards and BI — Power BI, SQL, Excel • Automated investor and board reporting workflows • Fundraising support — Seed through Series B, bridge rounds, down rounds • Turnaround and cost optimization strategy • Due diligence, data rooms, and investor defense • Valuation and strategic finance — 409A, M&A, special situations Trusted By I’ve worked with global brands, growth companies, and hundreds of startups navigating volatility, investor pressure, and complex financial decisions — including work involving Sony, Novo Nordisk, Unilever, and many founder-led companies across North America, Europe, and emerging markets. I combine CFA-level financial rigor, operator-level practicality, and AI systems thinking — so your finance function becomes faster, clearer, more automated, and more resilient. Tech Stack Excel | Power BI | SQL | Microsoft Dynamics | NetSuite | Zoho | Claude | ChatGPT | AI-enhanced FP&A workflows | Automated reporting systems Let’s Talk In this market, survival and scale require more than historical financial reporting. They require clarity, control, automation, and speed. Send me a brief, and I’ll help you strengthen your financial position, navigate uncertainty, and build an AI-enabled finance function ready for what comes next.

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 have over 15 years of experience in financial management and investment banking, specializing in financial modeling, data analysis, and business strategy. I work closely with business owners and operators to develop clear, easy-to-use financial models that drive smarter decisions, support investment pitches, and optimize business growth. Key Services: Financial projections for early-stage and established businesses Cash flow modeling and investor return metrics (IRR, NPV, LTV) 3-statement models (P&L, balance sheet, and cash flow) Personal and company budgeting Building analytical tools to monitor financial performance Sales forecasting and custom KPI tracking Sensitivity and scenario analysis Experience: ✔ 15+ years in financial modeling for businesses of all sizes ✔ 5 years as CFO of a commercial firm, managing all financial operations ✔ Successfully developed and implemented internal accounting and budgeting systems ✔ Led negotiations with partners and financial institutions to secure financing ✔ Experience in B2B projects, business modeling, and company valuation How I Can Help You: I will guide you through the entire financial analysis process, ensuring that you receive: ✅ Comprehensive financial planning tailored to your business goals ✅ Detailed financial projections and company valuation models ✅ Advanced analytics dashboards for tracking key business metrics ✅ Expert insights into budgeting & forecasting software, financial modeling, and business analysis Responsibilities I Cover: 📊 Financial Analysis & Reporting – Oversee financial operations, budgeting, forecasting, and reporting 📈 Data Visualization & Business Modeling – Create analytics dashboards to support decision-making 💼 Personal Financial Management – Provide tax planning, investment management, and expense tracking 📑 Compliance & Record-Keeping – Ensure accurate financial records and compliance with regulations Skills & Tools: 🔹 Microsoft Excel & Google Sheets – Advanced financial modeling & scenario analysis 🔹 Budgeting & Forecasting Software – Build custom financial dashboards 🔹 Data Analysis & Visualization – Present complex financial insights clearly Let’s work together to build a strong financial strategy for your business! 🚀 ⭐️⭐️⭐️⭐️⭐️ 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!

I am a financial analyst for solving your special business problems with 10years experience in the real business. SPECIALIZATION: Financial analyst, Business solving, Financial Modeling, Budgeting, KPI Dashboards. ADVANTAGES: A strong business vision, great motivation to find the best solution and creating value for client projects. Feedback about my job: " I have been very fortunate to find the most reliable and amazing freelancers on Up work. Oksana is amazing, patient, and starts projects without me having to ask! Thank you, you have truly been a lifesaver." "Excellent freelancer to work with, conscientious and keep with our deadlines." "I'm very happy with work Oksana completed for us. She has completed work even earlier we expected. Very good communication and understanding what we needed. I really can recommend Oksana to everyone. Thank you, Oksana." I could be a strong part of your team. Kinds, Oksana (Susan)