Description

Most businesses don't have a cash flow problem. They have a visibility, structure, and finance operations problem: cash flow is where it shows up.

I fix that layer: cash flow management, working capital optimization, AR & collections, treasury, and the financial workflows that make real decision-making possible.

Whether you're a startup managing cash runway, a scale-up with fragmented finance operations, a business under liquidity pressure, or a GBS/SSC environment needing structured EMEA finance operations:

I deliver CFO-level strategy and execution.

𝗪𝗵𝗮𝘁 𝗜 𝗗𝗲𝗹𝗶𝘃𝗲𝗿

◆ Cash flow visibility, forecasting & runway planning

◆ Treasury & liquidity pool management — cash pooling, multi-currency visibility, banking structures, liquidity control

◆ AP/AR & collections — bad debt recovery, large customer portfolio management, KPI reporting frameworks

◆ Finance function build — governance, controls, and scalable finance operations

◆ Supplier & contract negotiation — under pressure and tight deadlines

◆ Investor readiness — financial models, capital planning, fundraising support

𝗦𝗲𝗹𝗲𝗰𝘁𝗲𝗱 𝗥𝗲𝘀𝘂𝗹𝘁𝘀

✅ Recovered 5-year-old written-off receivables at a €227M revenue group

✅ Consolidated 15+ bank accounts into a centralized cash pool, reducing intercompany funding delays by ~30%

✅ Built cash collection framework covering 18,000+ customers from scratch

✅ Resolved a contractual escalation and secured €250K within 24 hours to protect payroll, during acute liquidity pressure

✅ Supported a €250K seed round for an early-stage startup entering retail

Fluent in English, Spanish, German, and Hungarian. Based between Valencia and Budapest, available on-site across Europe. Pan-European background: managed finance operations across 8+ countries from a Swiss SSC, with direct experience navigating business culture across Austria, Benelux, Spain, UK, France, Italy, Germany, and Hungary

Languages

English
Native or bilingual

Workplace preferences

Can work on-site

Valencia (up to 50km)

Finance Freelancer
Fracional CFO
November 2024 - Today (1 year and 7 months)
Providing senior finance leadership, forecasting, treasury optimization, and CFO-office support to high-growth and transitioning companies.

Key Achievements

✅ Rebuilt financial structure and corrected flawed planning assumptions for an early-stage company, supporting a €250K funding round and enabling launch of its first retail operations (Startups)
✅ Established cash collection framework for 18,000+ customers, improving cash flow visibility, reducing delays, and strengthening financial discipline (O.F.SZ.)
✅ Negotiated and finalized critical supplier and external collector contracts under tight deadlines, enabling recovery of overdue AR and supporting operational continuity (O.F.SZ.)

Selected Engagements
▪ Finance Operations Leader - O.F.SZ Ltd. (Hungary)

National payment service provider delivering POS and digital solutions to SMEs. Acted as interim CFO office lead during organizational transition, partnering directly with the CEO.

Responsabilities

▪ Assumed CFO-level responsibilities, leading group-level contract negotiations and ensuring long-term cost stability
▪ Implemented finance KPIs and governance frameworks, strengthening team performance and decision-making
▪ Led supplier selection and onboarding, establishing strategic partnerships to support growth

▪ Startup Finance Consultant - Multiple early- and growth-stage companies

Responsabilities

▪ Designed and implemented cash flow strategies, runway analysis, and investor reporting
▪ Built financial models and capital plans to support fundraising and scaling decisions
Negotiation KPI setting SME valuation Investor Readiness Financial Modelling
Vajda Paper Group
Finance Manager
RAW MATERIALS INDUSTRY
August 2023 - October 2024 (1 year and 2 months)
Budapest, Hungary
Prominent player in the Hungarian paper industry, generating €227M in revenue in FY23 and employing nearly 500 people. As Finance split from Accounting, worked closely with the CEO.

Key Achievements

✅ Developed a €2M weekly purchasing forecast for strategic cellulose deals, ensuring supply continuity at optimal pricing, minimizing FX exposure, and managing procurement in a volatile market
✅ Streamlined treasury operations by consolidating 15+ bank accounts into a centralized cash pool, enabling timely multi-currency transfers and reducing intercompany funding delays by ~30%
✅ Designed and implemented the company’s first structured cash collection process, recovering 5-year-old receivables previously written off, improving cash flow and reducing risk exposure
✅ Standardized financial data and reporting by introducing structured documentation, AR aging visibility, and database updates, creating a foundation for analytics and AI-supported forecasting
✅ Established a centralized team communication framework, replacing fragmented individual email usage, improving accountability, ensuring continuity during absences, and eliminating missed requests in a high-volume environment

Responsibilities

▪ Directed AP, AR, Billing, treasury operations; led liquidity, cash-flow planning, managed corporate loan & factoring structures to maintain stability and optimize working capital
▪ Led and improved all financial processes, introducing new methods, strengthening controls, and reducing manual workload across the department
▪ Identified operational inefficiencies, implemented cost-saving initiatives that improved productivity, reduced manual steps, and enhanced financial accuracy
▪ Implemented an early-payment discount system, optimized banking transactions, generating additional savings ~€128K annually, and improving payment discipline
▪ Contributed to the company’s digitalization by supporting DMS implementation and developing Power BI tools to monitor billing and process flow
Cash-Flow Management Finance Function Build & Leadership Cost Reduction & Operational Efficiency Treasury Management AR Process Setup & Bad Debt Recovery
Career Break
Professional Development & International Transition Period
July 2022 - August 2023 (1 year and 1 month)
Focused on advanced finance development to further strengthen CFO-level capabilities and broaden strategic toolkit
Spent time across Europe focused on travel, family, and language development, reinforcing cultural awareness and strengthening Spanish, English, and German proficiency in a business context
Returned to senior finance roles with renewed focus and delivered high-impact contributions in cash flow optimization, liquidity management, and financial transformation
Languages Digital Skills