Joseph O.

CFO | Modeling Expert | Top 1 percent | Ex-JPM | AI Developer | CFA

I am a financial analyst with 10+ years of experience at a top Wall Street bank and as an independent financial consultant. I specialize in building, managing, and maintaining financial models, and advising businesses through model-driven insights. I've completed more financial modeling projects on Upwork than any other freelancer: 500+ engagements, 100% Job Success, Top Rated Plus, over $1BN raised on my models. CFA Charterholder. Financial Modeling I build investor-grade 3-statement models from scratch for your business. I've supported raises from seed through Series B, including a unicorn and multiple $100M+ ARR companies, along with lender models, board models, scenario and sensitivity analysis, valuation, and 409A work. I've built models for 1,000+ companies across virtually every industry, with particular expertise in lending, SaaS, ecommerce, logistics, and energy, AI has changed financial modeling in two important ways. It has made it effortless to spin up amateur models, and it has made high-quality models even more valuable by expanding what they can do. A model built from the ground up to be operated by AI agents is the best of both worlds: institutional-grade structure, optimized for scale, user-friendliness, and auditability, with an architecture that lets tools like Claude and ChatGPT in Excel update data, run scenarios, and make changes reliably. My models are built to leverage AI agents and serve as a "financial operating system" for your business that is easily actualized with current data and adapted as your needs evolve. EBITDAI: I also founded EBITDAI. The consumer app is live in the Excel Addin store and Micrsoft Appsource and is the most cost-effective AI Excel agent on the market today. This also gives me valuable real estate directly inside of Excel that I can use to implement managed services solutions for my clients. In the past, I have built integrations that connect to the client's Quickbooks, Campfire, and Stripe accounts to the EBITDAI addin, which sideloads inside of Excel. The end result was full automation of actualization. The client simply logs into EBITDAI inside of Excel each month and asks the agent to update the model.