Pascal Raymond - Principal Consultant | Head of Finance & Operations

Q: Where is Pascal based?

Pascal is based in Dubai, United Arab Emirates and can operate in on-site , hybrid , and remote work models.

Q: What languages does Pascal speak?

Pascal speaks the following languages: English (Native), French (Native) .

Q: How many years of experience does Pascal have?

Pascal has at least 13 years of experience. During this time, Pascal has worked in at least 8 different roles and for 8 different companies . The average length of individual experience is 2 years and 8 months . Note that Pascal may not have shared all experience and actually has more experience.

Q: What is Pascal's latest experience?

Pascal's most recent position is Principal Consultant | Head of Finance & Operations at Vltima Ratio .

Q: What companies has Pascal worked for in recent years?

In recent years, Pascal has worked for Vltima Ratio , Fresh Start , CarbonEthic Group , and EMPG .

Q: Which industries is Pascal most experienced in?

Pascal is most experienced in industries like Real Estate , Banking and Finance , and Professional Services . Pascal also has some experience in Manufacturing and Retail .

Q: Which business areas is Pascal most experienced in?

Pascal is most experienced in business areas like Finance , Investments and M&A , and Operations . Pascal also has some experience in Strategy , Accounting , and Sustainability Management .

Q: Which industries has Pascal worked in recently?

Pascal has recently worked in industries like Professional Services , Real Estate , and Banking and Finance .

Q: Which business areas has Pascal worked in recently?

Pascal has recently worked in business areas like Finance , Strategy , and Operations .

Recommended expert

Dubai, United Arab Emirates

Check rate

Experience

Jan 2025 - Present

1 year 7 months

Principal Consultant | Head of Finance & Operations

Vltima Ratio

Manage strategic finance and international banking operations for four companies in three industries; overseeing multi-currency cash flow forecasting, treasury operations, and regulatory compliance.
Construct scenario-based cash flow and liquidity models using AI tools and prompt engineering to identify variances, enhance liquidity, and refine forecast accuracy.
Consolidate cash management across multiple regions, reducing FX exposure and shortening working capital cycles by 11%.
Maintain relationships with regional and global banks for account openings, KYC compliance, and banking operations.
Drive strategic diversification through new business verticals and untapped market entry, boosting group revenue by 47% within 8 months.
Liaise with legal, accounting, leadership, and external stakeholders to ensure alignment with regulatory and strategic objectives.

Apr 2024 - Jan 2025

10 months

Senior Manager & Strategic Advisor to the Chairman

Fresh Start

Directed e-commerce operations with 35 staff (6 direct reports) across 3 departments, managing P&L and growth strategy.
Reduced overhead costs by 46% and OPEX by 17% through operational streamlining and staffing realignment.
Restructured financial statements and balance sheet for clearer executive-level reporting.
Expanded operations into 3 new countries across 3 continents, accelerating global reach and generating USD 87K in monthly recurring revenue.
Delivered a USD 600K recycling plant project (40 tons/day) from planning to execution, managing engineers, regulators, and buyers.
Standardized production processes, increasing daily output by 21.7x and removing operational bottlenecks.
Launched a high-margin e-commerce product line achieving a 5,700% net profit margin per unit.
Designed and deployed KPI dashboards and partner reporting systems, increasing transparency and driving a 9% revenue lift in 2 months.
Built KPI dashboards for daily operational tracking and performance optimization.
Managed Pakistan expansion, including budgeting, forecasting, accounting, logistics, hiring, and sales functions.
Contributed to ERP integration (SAP) company-wide, ensuring seamless migration of financial data, chart-of-accounts alignment, financial forecasting structure, and automation of AP/AR, GL, and reporting modules.

Jun 2022 - Mar 2024

1 year 10 months

Regional Finance & Strategy Director – Middle East & Africa

CarbonEthic Group

Directed strategy, financial modeling, FP&A processes, budgeting, variance analysis, modeling, and long-term forecasting for group entities; secured Angola’s largest private land concession (500,000 hectares) with ministerial approval, projected to yield USD 236M in carbon credits over 5 years.
Created GTM strategies, revenue structure design, pricing frameworks, margin analysis, competitive benchmarking, and market positioning for ESG consulting and our proprietary AI-driven satellite imagery analysis software.
Developed group budgets, cash flow forecasts, working capital projections, scenario & sensitivity analyses, and financial models; led market entry into South America, Europe, and India.
Launched a North African circular revenue model with full financial planning, cost optimization, and compliance analysis aligned to EU carbon offset regulations.
Partnered with ministers, private sector leaders, UN agencies, NGOs, and academics to align workflows with sustainability objectives while maintaining financial accountability and ROI tracking.

Mar 2020 - Jun 2022

2 years 4 months

Group Finance Manager (FP&A) & Business Partner – MENAT

EMPG

Produced post-merger consolidated financial reporting, financial models, and variance analysis for 12 MENAT business units, enhancing visibility for C-suite and BOD.
Implemented zero-based budgeting, cost controls, and FP&A processes across all entities, maintaining group variances below 6% - a critical achievement in a high-growth, multi-market environment.
Maintained integrated financial models for KPI tracking, scenario planning, and annual planning; oversaw P&L forecasting, management reporting, and monthly performance analysis to ensure strategic alignment with business goals.
Ensured IFRS compliance, statutory reporting accuracy, and revenue recognition standards in revenue and cost reporting, meeting all regulatory requirements.
Delivered actionable insights to the MENAT CFO on KPI trends, variance drivers, cost structures, and financial operations, directly supporting decision-making.
Supported CEO in expansion planning through feasibility studies, modelling, sensitivity analysis, and market research, producing board-ready presentations and quantitative analysis.

Apr 2017 - Feb 2020

2 years 11 months

Strategy Consultant

JLL

Designed feasibility studies, valuation and financial models, and strategic plans for GCC real estate masterplans exceeding USD 5B in value.
Provided macroeconomic and market analysis to royal families, sovereign wealth funds, and institutional investors.
Developed go-to-market and investment strategies to identify revenue growth opportunities and enhance competitive positioning.

Apr 2013 - Jul 2016

3 years 4 months

Royal Family Office Director

Prince Eugen – Enea Caraghiaur

Managed USD 13.7M in real estate assets (14 buildings), overseeing financial management, daily operations, and 8 full-time employees.
Controlled USD 1.65M annual budget, cash flow, payroll, recruitment, and monthly reporting; built investment models to guide portfolio growth.

Sep 2012 - Jun 2016

3 years 10 months

Derivatives Trader

Independent Professional

Generated consistent returns with an average 13% profit per trade by applying scalping and short-term trading strategies across options, futures, and derivatives.
Traded multiple asset classes — Equities, FX, Commodities, Bonds, and Indexes — while monitoring real-time market data, volatility, and liquidity conditions to optimize execution.
Applied technical analysis, order flow/tape reading, and market microstructure insights to identify high-probability entry and exit points.
Strengthened expertise in risk management, rapid decision-making, and quantitative trading strategies under fast-moving market conditions.

May 2012 - Sep 2013

1 year 5 months

Analyst – OTC Derivatives

National Bank of Canada

Processed settlements, clearances, and reconciliations for OTC derivatives; evaluated risks and resolved transaction anomalies.
Supported front office by validating logical accuracy of trading models and assumptions.

Industry Experience

See where this freelancer has spent most of their professional time.

Experienced in Real Estate, Banking and Finance, Professional Services, Manufacturing, and Retail.

Real Estate

Banking and Finance

Professional Services

Manufacturing

Retail

Business Area Experience

See which departments and functions this freelancer has contributed to most.

Experienced in Finance, Operations, Investments and M&A, Strategy, Accounting, and Sustainability Management.

Finance

Operations

Investments and M&A

Strategy

Accounting

Sustainability Management

Summary

Finance and strategy leader with 12+ years of global experience in FP&A, corporate strategy, P&L ownership, AI integration, automation, corporate finance, and predictive analytics. Expertise in cost optimization, budgeting, forecasting, variance analysis, and international expansion. Skilled in capital allocation, scenario modeling, and cash flow optimization. Delivered 46% overhead reduction, 17% OPEX decrease, 21.7x production output increase, and 47% group-level revenue increase in 8 months.

Skills

Strategic Planning & Execution
Financial Modeling & Valuation
Financial Planning & Analysis
Ai Optimization
Machine Learning & Predictive Analytics
International Expansion
Cost Reduction & Optimization
Working Capital & Treasury Management
Kpi Dashboards
P&L Ownership
Budgeting & Forecasting
Scenario Planning
Sensitivity Analysis
Stakeholder & Board Reporting
Team Leadership
Risk Management
Corporate Finance
Cash Flow Forecasting
Advanced Prompt Engineering
N8n Automation
Data Analysis & Visualization
Variance Analysis
Advanced Excel
Tableau
Bank Reconciliation Platforms
Ai For Finance Applications
Prompt Engineering For Dashboard Creation
Predictive Analytics
Ai-Enhanced Kpi Monitoring
Scenario & Sensitivity Analysis
Data Visualization
Working Capital Cycle Optimization

Languages

English

Native

French

Native

Education

University of Quebec in Montreal

Bachelor’s in Business Administration & Finance · Business Administration & Finance · Montreal, Canada

College Marie-Victorin

Associates Degree in Business Administration · Business Administration · Montreal, Canada

Certifications & licenses

Certificate in Prompt Engineering Specialization (40h)

Vanderbilt University

Forest Carbon & Climate Change Certificate

Michigan State University

Financial Modelling & Valuation Analyst (FMVA)

Corporate Finance Institute

International Certificate in Wealth & Investment Management, Level 3

CISI

Statistics

Experience

Total positions 8

Experience in Real Estate 8.5 y

Avg length 2 y 2 m

Longest experience 3 y 9 m

Expertise

Recent roles Principal Consultant | Head of Finance & Operations, Senior Manager & Strategic Advisor to the Chairman, Regional Finance & Strategy Director – Middle East & Africa

Main industries Real Estate, Banking and Finance, Professional Services

Main business areas Finance, Operations, Investments and M&A

Qualifications

Highest degree Bachelor

Certifications earned 4

Profile

Created

November 2025

Need a freelancer? Find your match in seconds.

Try FRATCH GPT

Frequently asked questions

Have questions? Find more information here.

Where is Pascal based?

Pascal is based in Dubai, United Arab Emirates and can operate in on-site, hybrid, and remote work models.

What languages does Pascal speak?

Pascal speaks the following languages: English (Native), French (Native).

How many years of experience does Pascal have?

Pascal has at least 13 years of experience. During this time, Pascal has worked in at least 8 different roles and for 8 different companies. The average length of individual experience is 2 years and 8 months. Note that Pascal may not have shared all experience and actually has more experience.

What roles would Pascal be best suited for?

Based on recent experience, Pascal would be well-suited for roles such as: Principal Consultant | Head of Finance & Operations, Senior Manager & Strategic Advisor to the Chairman, Regional Finance & Strategy Director – Middle East & Africa.

What is Pascal's latest experience?

Pascal's most recent position is Principal Consultant | Head of Finance & Operations at Vltima Ratio.

What companies has Pascal worked for in recent years?

In recent years, Pascal has worked for Vltima Ratio, Fresh Start, CarbonEthic Group, and EMPG.

Which industries is Pascal most experienced in?

Pascal is most experienced in industries like Real Estate, Banking and Finance, and Professional Services. Pascal also has some experience in Manufacturing and Retail.

Which business areas is Pascal most experienced in?

Pascal is most experienced in business areas like Finance, Investments and M&A, and Operations. Pascal also has some experience in Strategy, Accounting, and Sustainability Management.

Which industries has Pascal worked in recently?

Pascal has recently worked in industries like Professional Services, Real Estate, and Banking and Finance.

Which business areas has Pascal worked in recently?

Pascal has recently worked in business areas like Finance, Strategy, and Operations.

What is Pascal's education?

Pascal holds a Bachelor in Business Administration & Finance from University of Quebec in Montreal.

Does Pascal have any certificates?

Pascal has 4 certificates. Among them, these include: Certificate in Prompt Engineering Specialization (40h), Forest Carbon & Climate Change Certificate, and Financial Modelling & Valuation Analyst (FMVA).

What is the availability of Pascal?

Pascal is immediately available part-time for suitable projects.

What is the rate of Pascal?

Pascal's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.