Laura Fodor Agoston
Founder and Principal Consultant | Fractional CFO
Experience
Founder and Principal Consultant | Fractional CFO
LFA Business Consulting
Led 50+ transformation projects implementing financial management systems in family-owned businesses
Designed and implemented budgeting and forecasting frameworks enabling data-driven decision-making
Created financial models for cash flow analysis, break-even calculations, ROI evaluations, and investment assessments
Conducted business valuations and investment readiness assessments across manufacturing, agriculture, and trade sectors
Optimized working capital for 20+ SMEs, significantly improving liquidity and business resilience
Designed and facilitated 30+ training programs on financial management, budgeting, and strategic planning
Mentored second-generation business owners to assume CFO-level responsibilities
Created and trained clients on customized CFO dashboards tracking revenue, margins, liquidity, and working capital KPIs
Developed training materials translating complex financial concepts for business owners without finance backgrounds
Engaged by international development organizations (GIZ, USAID) to build finance capacity in social enterprises
Led fractional CFO engagements encompassing financial planning, treasury management, and scenario modeling
Raised over €20M in funding through tailored business plans and investment strategies
Provided strategic guidance on business model innovation and growth financing
Executive Board Member & Head of Corporate Banking Division
OTP Banka Srbija AD
- Restructured and led Corporate Banking Division managing 250+ employees and €500M+ loan portfolio
- Oversaw corporate lending portfolios, analyzing credit risk, cash flow forecasts, and financial performance
- Led strategic financial analysis for investment projects, aligning financing with client business objectives
- Ensured compliance with IFRS, regulatory reporting, and corporate governance standards
- Chaired Monitoring Committee; participated in ALM and Credit Committees
- Represented bank in negotiations with major corporate clients and international partners
Head of Corporate Banking Division
Panonska Banka AD
- Directed sales, credit risk operations, and loan approval processes for corporate clients
- Participated in due diligence process during bank's integration into Intesa Sanpaolo Group
- Led SME financing programs and developed credit analysis frameworks
Assistant Executive Director, Head of Credit Department
Novosadska Banka AD
- Responsible for credit analysis and SME portfolio oversight
- Implemented new procedures and trained analysts on financial modeling and credit evaluation
- Developed credit analysis frameworks with international consultants
Senior Associate
Financing Center Novi Sad
- Conducted capital valuation, business strategy development, and investment studies for 30+ enterprises
Associate
Alfa-Omega Engineering, University of Novi Sad
Industry Experience
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Experienced in Banking and Finance, Agriculture, Manufacturing, Retail, Education, and Professional Services.
Business Area Experience
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Experienced in Finance, Strategy, Accounting, Sales, Investments and M&A, and Research and Development.
Summary
Senior Finance Professional with 30+ years of hands-on experience in corporate finance, FP&A, and business consulting, specializing in training, mentoring, and translating complex financial concepts into clear, actionable insights. Deep expertise in budgeting, forecasting, variance analysis, financial modeling, cash flow management, and strategic business planning for family-owned and medium-sized businesses across manufacturing, agriculture, trade, and impact entrepreneurship sectors.
Proven AI Training Capability: Successfully completed AI training project in finance, demonstrating ability to evaluate, validate, and refine AI-generated financial content for accuracy, professional standards, and practical applicability. Combines analytical precision with strong pedagogical skills—equally comfortable teaching executives financial literacy and training AI systems on business logic and financial reasoning.
Skills
Unique Value Proposition For Ai Training:
- Structured, Methodical Thinking Ideal For Creating High-quality Training Data
- Extensive Experience Explaining Complex Finance Concepts To Non-financial Audiences
- Deep Practical Knowledge From Real-world Consulting (Not Purely Theoretical/academic)
- Expertise In Family Business Finance—a Specialized Niche Often Underrepresented In Ai Training
- Strong Attention To Detail And Commitment To Precision (Mathematical Background + Controller Mindset)
Core Competencies For Ai Training In Finance
Domain Expertise:
- Financial Planning & Analysis (Fp&a) | Budgeting & Forecasting | Management Accounting
- Variance & Scenario Analysis | Cash Flow Modeling & Treasury Management
- Strategic Financial Planning | Business Model Design & Validation
- Investment Evaluation (Capex, Roi, Break-even Analysis)
- Financial Modeling & Kpi Dashboard Development
- Credit Risk Assessment & Commercial Banking (Not Investment Banking/capital Markets)
- Ifrs & Regulatory Compliance | Corporate Governance
Training & Communication Skills:
- Designed And Delivered 30+ Training Programs For Sme Owners And Finance Professionals
- Mentored Executives And Second-generation Business Owners In Financial Literacy
- Expert At Breaking Down Complex Financial Scenarios Into Clear, Logical Steps
- Strong Written And Verbal Communication Across Multiple Languages
- Proven Ability To Evaluate And Improve Financial Explanations For Clarity And Accuracy
Analytical Capabilities:
- Mathematical Foundation (Applied Mathematics Degree With Specialization In Numerical Mathematics)
- Structured Problem-solving Approach Ideal For Evaluating Ai-generated Content
- Experience Reviewing And Validating Financial Models, Business Plans, And Investment Scenarios
- Detail-oriented With Commitment To Precision And Professional Standards
Professional Skills
Analytical & Technical:
- Expert-level Financial Modeling And Analysis
- Strong Mathematical And Logical Reasoning
- Detail-oriented With Exceptional Accuracy Standards
- Proficient In Explaining "Why" Behind Financial Decisions And Methodologies
Communication & Training:
- Excellent Written And Verbal Communication Skills
- Proven Ability To Break Down Complex Topics Into Clear, Structured Explanations
- Experience Creating Training Materials And Educational Content
- Skilled At Evaluating Quality And Clarity Of Financial Explanations
Work Style:
- Proactive, Self-driven, And Highly Responsible
- Results-oriented With Pragmatic Approach
- Strong Organizational And Planning Skills
- Collaborative Team Player With Forward-thinking Mindset
Languages
Education
University of Novi Sad – Faculty of Science
Numerical Mathematics and Cybernetics · Applied Mathematics · Novi Sad, Serbia
Certifications & licenses
Certified NLP Practitioner
Certified Sommelier
Statistics
Experience
Global Experience
Expertise
Qualifications
Profile
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