Lillibe D.

Need a financial model investors and banks trust, a cash flow forecast you can actually run your business on, or a part-time CFO to keep your finances on track? I am an ACMA-qualified finance leader with 25+ years of experience and 5.0 stars from every Upwork client who has left a review. I spent 14 years at Capitec Bank as it grew into South Africa's largest retail bank: first running budgeting, forecasting and performance reporting for 800 branches, then leading a credit business intelligence team. Today I bring that rigour to SMEs and startups in SaaS, property development, agriculture, logistics and travel. That includes an ongoing fractional CFO role for a travel agency, where I finalise the annual financial statements and tax, and lead tax and strategic planning. I also chair the finance committee of my church and have served in a similar role for a retirement home, so I understand non-profit budgets, governance and reporting to a board. 📈 RECENT WORK ON UPWORK - Driver-based forecasting, cash flow planning and Xero accounting for a SaaS company - 5-year financial forecasts for property developments - Financial model and projections for a mixed crop farm - Comprehensive budget model for a growing business - Power BI dashboards for financial data, and automated weekly reporting 💼 HOW I CAN HELP - Fractional CFO: senior finance leadership a few days a month, covering financial statements, tax planning, strategic planning and management reporting, for businesses and non-profits, without a full-time hire - Financial models: integrated 3-statement models and 3-5 year forecasts for fundraising, bank loans, developments and business plans - Cash flow: 13-week and rolling 12-month forecasts so you see a crunch months before it hits - Budgets and management accounts: annual budgets, scenarios, month-end reporting packs with commentary - Dashboards: Power BI and Excel reporting connected to Xero, QuickBooks, Sage or your own data ⭐ WHAT CLIENTS SAY "Delivery was exceptional and pro-actively influenced decisions in the budgeting and planning processes." Head of Operations, Capitec Bank ✅ WHAT YOU CAN EXPECT - Clean, documented models with clear inputs, checks and scenarios - Plain-language explanations of what the numbers mean - Full overlap with UK and European working hours (South Africa, GMT+2) 🎓 QUALIFICATIONS AND TOOLS ACMA (CIMA, UK); BAcc and Honours in Management Accounting, Stellenbosch University. Excel, Power BI, Power Query, SQL, Xero, QuickBooks, Sage. 👉 Tell me about your business and the decision your numbers need to support, and I will reply with how I would approach it.