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Role Description

We are looking for an experienced Fractional CFO with agency or professional services finance experience to serve as a strategic financial partner. This role focuses on building and managing the management reporting infrastructure, including budgeting, forecasting, and client-level gross margin analysis. You will help leadership gain clear visibility into company performance and client profitability by delivering monthly financial insights and executive reporting. This is not a bookkeeping role. An external accounting firm manages formal financial statements. Your responsibility will be to develop the financial systems, dashboards, and analysis needed to guide strategic decision-making.

Key Responsibilities

• Budgeting & Forecasting
  • Build and maintain the annual operating budget aligned with company growth targets and EOS goals.
  • Deliver monthly budget vs. actuals reporting with variance commentary on lines exceeding 10%.
  • Maintain a rolling 90-day cash flow forecast updated each month.
  • Model revenue and headcount scenarios to support hiring and investment decisions.
  • Deliver a monthly executive financial summary for leadership by the 15th of each month.
• Client-Level Margin Tracking
  • Build and maintain a gross margin dashboard tracking profitability per client.
  • Calculate margins using billable hours × billing rate minus allocated direct labor costs.
  • Flag accounts below the 75% gross margin target (Yellow: 60–74%, Red: below 60%).
  • Identify whether margin issues stem from pricing strategy, scope creep, or operational inefficiencies.
  • Provide monthly profitability reports with actionable recommendations.
• EOS Scorecard Reporting
  • Manage the financial metrics used in the company’s EOS scorecards.
  • Track key metrics such as:
    • MRR and ARR
    • Gross margin %
    • Payroll ratio
    • Net profit margin
    • Accounts receivable aging
    • Client count
  • Provide root cause analysis and corrective recommendations for off-track metrics.
  • Support quarterly EOS planning sessions with financial projections.
• Accounts Receivable & Payable Oversight
  • Monitor accounts receivable aging weekly and flag invoices overdue by 30+ days.
  • Maintain an accounts payable calendar for payroll, contractors, software subscriptions, and loan payments.
  • Coordinate AR/AP reconciliation with the external accounting firm.
  • Identify redundant or underutilized vendor spending for cost optimization.
• Financial Reporting
  • Conduct monthly P&L reviews and provide executive-level insights.
  • Maintain a clean and structured chart of accounts in QuickBooks Online.
  • Provide guidance on cash reserves, debt coverage, and financial risk thresholds.

Qualifications

• 5+ years of experience in finance, accounting, or CFO-level work.
• Experience working with agencies or professional services firms strongly preferred.
• Proven experience building client profitability models and margin dashboards for retainer businesses.
• Expert-level QuickBooks Online experience managing financial systems for service businesses.
• Advanced Google Sheets or Excel skills, including financial modeling and scenario analysis.
• Experience using time-tracking platforms (ClickUp, Harvest, Toggl, or similar) for client profitability analysis.
• Deep understanding of retainer-based agency economics, including billable hours, labor utilization, and margin optimization.
• Strong communication skills with the ability to translate complex financial insights into clear executive summaries.
• Highly self-managed with the ability to work asynchronously and meet strict monthly deadlines.

Nice to Have

• Experience working with EOS (Entrepreneurial Operating System) companies.
• Familiarity with dual-basis financial reporting (cash basis for tax, accrual-style management reporting).
• Experience with SBA loan structures and debt service modeling.
• Proven experience recommending client repricing strategies based on profitability data.
• Experience supporting personal or executive tax planning coordination.

Benefits

• 💻 Fully Remote: Work from anywhere with international teams
• 🚀 Career Growth: Join companies in SaaS, MarTech, and B2B services
• 🤝 Peer Community: Connect with high-performing sales professionals in our network
• 🧭 Ongoing Support: Receive guidance from Huzzle before and after placement
• 💰 Tailored Compensation: Salaries vary by client and candidate preference — we’ll match you with options that fit your goals