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Rafael M.

Interim CFO / Finance Director

Berlin, Germany

Experience

Mar 2025 - Present
10 months
Spain

Interim Director of Finance

Kreative Tech Ventures

  • As Interim Director of Finance at Kreative Tech Ventures, a diversified holding of SaaS and marketplace companies operating across Europe, I oversee the financial strategy, operations, and performance management of all subsidiaries.
  • I lead a finance team covering FP&A, accounting, and taxes, ensuring robust financial governance and scalability across the group.
  • Achieved breakeven in 2 out of 3 geographies within 8 months by optimizing pricing, cost structures, and unit economics.
  • Created the group’s holding structure, consolidating 4+ operating entities under a unified governance and reporting framework, resulting in more efficient intercompany funding flows and improved tax and administrative efficiency.
  • Partnered with the tech team to modernize billing and revenue recognition processes, automating invoicing and integrating payment systems across marketplaces, cutting billing errors by 40%.
  • Led the refinancing and optimization of the group’s capital structure, strengthening liquidity, extending maturities, and improving financial flexibility to support long-term growth.
Apr 2024 - Mar 2025
1 year

Interim Director of Finance & Managing Director

Arcadea Group

  • Responsible for overseeing the financial performance and strategic direction of portfolio companies across EMEA and North America.
  • Led annual budgeting and quarterly rolling forecasts for 4 portfolio companies (€2–9M ARR each), achieving 95% forecast accuracy and aligning with Arcadea’s €500M long-term investment strategy.
  • Partnered with CEOs to define and track 20+ KPIs across finance, operations, and commercial functions, driving an 8% improvement in EBITDA margins within 12 months.
  • Drove M&A integration projects and investment portfolio management, ensuring compliance with local GAAP, IFRS, and Arcadea frameworks.
  • Owned unit economics and valuation reporting, leading portfolio steering sessions that optimized pricing, reduced churn by 6%, and improved capital allocation.
  • Implemented management reporting packs, cutting reporting time from 15 to 6 days and enhancing transparency for board and PE stakeholders.
Jan 2022 - Apr 2024
2 years 4 months
Germany

Director of Finance - Contract

JOURNEE - The Metaverse Company

  • Led strategic financial initiatives, overseeing fundraising efforts and managing investor relations to secure capital for growth.
  • Responsible for financial planning and analysis, including budgeting, forecasting, and variance analysis to ensure informed decision-making.
  • Managed cash flow and liquidity planning to maintain financial stability and provided comprehensive financial reporting to internal leadership and external stakeholders.
  • Oversaw finance operations, managing accounts receivable and accounts payable to optimize cash flow and working capital.
  • Streamlined accounting processes to ensure accuracy, compliance, and timely financial close while implementing cost optimization strategies.
  • Secured €18M in Series seed, Series A, and venture debt rounds, building the financial model and leading investor relations with international VCs.
  • Introduced a rolling forecast model, improving budget accuracy from 70% to 90% and enabling proactive cost control.
  • Partnered with operations and sales teams to implement real-time KPI dashboards tracking growth, CAC/LTV, and churn, driving a 25% improvement in customer lifetime value.
  • Reduced monthly cash burn by 15% through vendor renegotiations and restructuring marketing spend.
  • Improved DSO by 20 days, releasing €500k in working capital and strengthening liquidity.
  • Delivered quarterly board packs and investor updates with advanced scenario analysis, supporting strategic expansion into the U.S. market.
Jun 2019 - Feb 2021
1 year 9 months
Spain

Co-Founder & Co-CEO

Relash

  • Drove strategic growth by leveraging in-depth market research to shape an expansive business strategy.
  • Set up and managed logistics, production, marketing, finance, and sales functions to establish a strong operational foundation for scalability.
  • Led cross-functional teams to enhance efficiency while cultivating key partnerships that expanded the brand’s presence across on-trade and off-trade channels.
  • Spearheaded initiatives to scale e-commerce sales, driving online growth and increasing market penetration in Spain and Portugal.
May 2019 - Present
6 years 8 months

Interim & Fractional CFO/COO

Fingate Advisors

  • Provide strategic financial leadership to PE and VC backed startups, scaleups, and portfolio companies across fintech, SaaS, edtech, retail, manufacturing, e-commerce, and energy.
  • Oversee financial planning and analysis, fundraising, and investor relations, playing a key role in securing capital and structuring financial strategies for growth.
  • Involved in financial modeling, business forecasting, and supporting companies through Seed to Series C funding rounds.
  • Scale financial departments, optimize accounting processes, and ensure compliance with regulatory standards.
  • Provide controllership oversight, manage team development, and implement financial reporting structures that improve transparency and efficiency.
  • Engage in accounts receivable, accounts payable, and cash flow management to align financial operations with business objectives.
  • Advised 10+ PE & VC-backed companies, leading €50M+ fundraising across Seed to Series C rounds (equity & debt).
  • Designed and executed financial planning & KPI frameworks, improving forecast accuracy by 20–25%.
  • Implemented ERP and BI tools, reducing monthly reporting cycles from 20 to 7 days.
  • Improved EBITDA margins by 5–12% through pricing and automation initiatives.
  • Managed cash flow steering for high-growth startups, reducing runway risk by 4–6 months.
  • Built investor-ready financial models and board materials, supporting M&A due diligence and integration of 2 acquired companies.
  • Ensured compliance with US GAAP, IFRS, and local GAAP across multiple jurisdictions.
Jan 2018 - Jun 2019
1 year 6 months
Spain

Senior Investment Consultant

Aon

  • Provided tailored services for pension plans in Spain and Portugal, including research on diverse asset classes and strategic asset allocation recommendations.
  • Led a multidisciplinary team monitoring external managers across various assets, fostering innovation and growth.
  • Contributed to business development and nurtured client relationships through compelling presentations.
  • Advised on €300M+ in pension assets, leading strategic asset allocation reviews that improved portfolio returns by ~5% on a risk-adjusted basis.
  • Defined asset class KPIs and performance metrics for external managers, enabling data-driven monitoring across equities, fixed income, and alternatives.
Oct 2016 - Dec 2017
1 year 3 months
Spain

Investment Analyst

Amchor Investment Strategies SGIIC

  • Provided research and analytical support across multiple asset classes, including equities, fixed income, derivatives, and alternative investments for a macro hedge fund.
  • Executed trade orders, conducted fundamental research, and developed investment cases based on macroeconomic trends and market conditions.
  • Played a key role in asset allocation adjustments, risk analysis, and investment decision-making to keep portfolios aligned with market dynamics.
  • Managed portfolio monitoring, operations, and monthly client reporting, contributing to financial modeling, performance evaluation, and forecasting.
May 2013 - Oct 2014
1 year 6 months
Spain

Financial Services Manager

Accenture

  • Provided strategic consulting and process optimization services to multinational clients in Accenture’s Business Process Outsourcing division.
  • Assessed and improved cost structures, forecasting methodologies, and regulatory adherence for global and local financial requirements.
  • Advised on process automation, risk management strategies, and reporting enhancements to drive scalability and sustainability.
  • Conducted data-driven assessments on operational workflows, balance sheet consistency, and capital asset utilization, delivering actionable insights for efficiency improvements.

Summary

Versatile finance leader with 10+ years of experience driving growth across startups, scaleups, and portfolio companies backed by venture capital and private equity.

Proven expertise in optimizing financial strategies, scaling operations, and improving profitability to deliver sustainable value creation. Experienced co-founder with hands-on involvement in fundraising, M&A, and investor relations, bringing both strategic insight and operational rigor to high-growth environments.

Holding consecutive CFA and CAIA charters, I combine deep technical expertise with a strong track record of guiding portfolio companies through complex financial and strategic challenges.

Languages

Spanish
Native
English
Advanced
German
Intermediate

Education

Oct 2012 - Jun 2013

University of Mannheim

Bachelor of Business Administration · Finance, General · Mannheim, Germany

Oct 2010 - Jun 2014

Universidad Rey Juan Carlos

Bachelor of Business Administration · Business Administration and Management, General · Spain

Certifications & licenses

CAIA

CFA

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