Fractional CFO

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. Review and stress-test new or updated financial models, budgets, forecasts, and business cases before submission to prospective partners or management .

Posted 9/23/2026contractRemote • South AfricaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in financial modeling, regulatory compliance, and strategic financial oversight, with a strong focus on risk assessment and communication of complex financial concepts. Proficient in preparing funder reports and conducting financial diagnostics to optimize capital allocation and improve profitability.

Highest-signal resume keywords

CA(SA) OR ACCA OR CIMAFinancial ModelingRegulatory ComplianceSARS Tax FluencyMicrosoft Excel

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial ModelingBudgetingForecastingScenario TestingRisk AssessmentFinancial DiagnosticsCovenant ReportingCapital AllocationCost OptimizationTax Efficiency

Soft Skills

Excellent CommunicationAutonomous Work

Tools & Technologies

SageMicrosoft Excel

Certifications & Qualifications

CA(SA)ACCACIMA

Industry Keywords

CIPC RequirementsSARS Corporate TaxIFRSB-BBEEPOPIADebt Collectors ActFSCAFAIS

About the role

Key responsibilities & impact

Review and stress-test new or updated financial models, budgets, forecasts, and business cases before submission to prospective partners or management
Check and correct model logic, formulas, and underlying assumptions, including growth rates, cost escalation, margins, and tax treatment
Conduct best-, base-, and worst-case scenario and sensitivity testing for material decisions such as contract terms, capital purchases, or pricing changes
Provide written or verbal opinions detailing risk areas, recommended fixes, and elements to challenge before models are finalised
Perform monthly diagnostics on balance sheets, income statements, and cash flow to monitor liquidity, solvency, working capital, and profitability trends
Track current ratio, gross margin, debtor days, debt-to-equity, and interest cover against prior periods to identify early red flags
Identify costs to renegotiate or cut, evaluate pricing strategies to improve margins, and optimise working capital collection cycles
Advise on capital allocation, debt-versus-equity funding, facility consolidation, and contract payment terms to optimise tax efficiency and lower interest costs
Review, edit, and finalise bi-annual funder reports covering claims book performance, arrears, book quality, and required credit calculations including NROC
Reconcile reported metrics against internal tracking systems and flag potential covenant risks early
Oversee compliance and identify gaps across CIPC requirements, SARS corporate/provisional tax, VAT, PAYE/UIF/SDL, IFRS for SMEs/full IFRS, B-BBEE, POPIA, COIDA, and relevant statutory obligations
Conduct an initial assessment of the business’s regulatory footprint within the first weeks of engagement
Provide expert financial oversight, model review, and strategic structuring advice to company directors and the internal finance contact on an ad-hoc, project-commissioned basis

Requirements

What you’ll need

A recognised professional accounting qualification (CA(SA) preferred, or ACCA / CIMA)
Prior experience as a CFO, Financial Manager, or Financial Consultant to SMEs, ideally working in a fractional, portfolio, or part-time capacity
Proven experience in preparing or reviewing funder and covenant reporting for loan or debtor books, including arrears, book performance, charge-off, and recovery metrics
Strong regulatory fluency in South African tax (SARS) and Companies Act/CIPC requirements
Ability to work autonomously on an ad-hoc, project-based model
Excellent communication skills with the ability to translate technical financial details into plain language and clearly articulate risks
Experience or familiarity with FSCA/FAIS, FICA, and the Debt Collectors Act
Sage
Microsoft Excel

Benefits

Comp & perks

Part-time
Independent contractor