Rafael M.-Interim CFO / VP Finance - Fundraising, FP&A, M&A | CFA, CAIA
Check rate
Experience
Director of Finance
Kreative Tech Ventures
Finance lead for a diversified SaaS and marketplace holding across 5 European markets, covering FP&A, accounting, tax, treasury and group governance.
- Built group FP&A and management reporting across 4+ entities: rolling forecasts and KPI dashboards tracking ARR, contribution margin and unit economics by country.
- Improved marketplace unit economics and country-level profitability through pricing redesign and contribution-margin discipline; automated billing, cutting errors by 40%.
- Achieved breakeven in key geographies within 8 months, improving gross margin visibility ahead of the next capital raise.
Director of Finance and Managing Director
Arcadea Group
Finance lead of a PE-backed SaaS holding with 4 portfolio companies (EUR 2-9M ARR), aligned to a EUR 500M investment strategy across EMEA and North America.
- Partnered with CEOs across 4 SaaS portfolio companies to implement KPI dashboards tracking ARR, NRR, churn, CAC payback and gross margin; drove 6% churn reduction through customer segmentation analysis.
- Led annual budgeting and quarterly rolling forecasts, achieving 95% forecast accuracy; linked SaaS cohort analysis to commercial investment decisions.
- Owned unit economics and valuation reporting; supported pricing decisions contributing to 8% EBITDA margin improvement across the portfolio.
Director of Finance
JOURNEE
Embedded finance lead of an international technology company across fundraising, FP&A, cash management and investor reporting.
- Secured EUR 18M across seed, Series A and venture debt: built the integrated financial model, led investor relations, coordinated the data room and supported the CEO through due diligence and term-sheet negotiations with international VCs.
- Reduced monthly cash burn by 15% through vendor renegotiations and marketing-spend restructuring; improved DSO by 20 days, releasing EUR 500k in working capital.
- Built KPI dashboards tracking ARR, CAC/LTV, churn and burn multiple; supported Series B preparation and international expansion planning.
Co-Founder and Co-CEO
relash
Co-founded a B2B food and beverage platform; raised EUR 680k, grew revenue 35% year-on-year and expanded to 18+ distribution centres across Spain and Portugal.
Interim CFO, Growth Finance Advisor & Finance Transformation Partner
Fingate Advisors
Own advisory practice delivering CFO leadership, fundraising, FP&A buildout and finance transformation across 30+ VC-backed, PE-backed and multinational companies in 15+ countries. Sectors: SaaS, fintech, marketplace, e-commerce, healthcare, logistics, manufacturing and AI across EMEA, the US and LATAM.
- Supported EUR 150M+ in equity and debt financing from Seed to Series C: investor-grade financial models, investor presentations, data rooms, due diligence coordination.
- Implemented ARR, NRR, churn, CAC/LTV, CAC payback, burn multiple and runway dashboards across SaaS, fintech and marketplace businesses.
- Extended cash runway through 13-week cash forecasting, burn-rate optimisation, DSO compression and capital-allocation discipline (4-6 months in constrained liquidity situations).
- Built FP&A functions from scratch: driver-based rolling forecasts, AI-driven reporting automation, IFRS 15 revenue recognition, finance infrastructure scalable to Series B+.
Senior Investment Consultant
Aon
Advised on EUR 300M+ in pension assets across Spain and Portugal; led strategic asset allocation reviews and monitored external managers.
Investment Analyst
AMCHOR Investment Strategies SGIIC
Research and portfolio support for Alinea SICAV (macro hedge fund) across equities, fixed income, derivatives and alternatives.
Client Financial Manager and Financial Services Analyst
Accenture
Progressed to Client Financial Manager; delivered operational finance, pricing strategy and process optimisation across large-scale multinational client engagements.
Industry experience
See where this freelancer has spent most of their professional time.
Experienced in Banking and Finance, Information Technology, Healthcare, Transportation, Manufacturing, and Retail.
Business area experience
See which departments and functions this freelancer has contributed to most.
Experienced in Finance, Accounting, Investments and M&A, Strategy, and Research and Development.
Summary
Interim CFO, VP Finance and Finance Transformation Partner (CFA, CAIA) with 14+ years partnering with founders, VCs and boards from Seed to Series C. Supported EUR 150M+ in equity and debt financing: investor-grade financial models, board packs, data rooms and due diligence. Deep expertise in SaaS and marketplace metrics (ARR, NRR, CAC/LTV, burn multiple, churn, unit economics), runway management and capital-efficiency planning across SaaS, fintech, marketplaces and e-commerce in EMEA, the US and LATAM. Since 2019 runs his own interim CFO and finance transformation practice (Fingate): 30+ VC-backed, PE-backed and multinational companies across 15+ countries, with EUR 15M+ in identified cost savings. Previously senior investment consultant at Aon (EUR 300M+ pension assets) and consultant at Accenture.
Skills
Fundraising (Equity And Debt, Seed To Series C) | Investor Relations | Board Reporting | Financial Modelling | Fp&A | Saas Metrics (Arr, Nrr, Cac/Ltv, Burn Multiple, Churn) | Unit Economics | Runway Management | Capital Efficiency | Due Diligence | M&A | Interim Cfo | Finance Transformation | Revenue Recognition (Ifrs 15) | Pricing | Scenario Planning | Finance Automation | Ai-Driven Reporting | Erp And Bi | 13-Week Cash Forecasting
Languages
Statistics
Experience
Expertise
Frequently asked questions
Have questions? Find more information here.
Rafael is based in Madrid, Spain.
Rafael speaks the following languages: Spanish (Native), English (Advanced).
Rafael has at least 13 years of experience. During this time, Rafael has worked in at least 7 different roles and for 8 different companies. The average length of individual experience is 2 years and 8 months. Note that Rafael may not have shared all experience and actually has more experience.
Based on recent experience, Rafael would be well-suited for roles such as: Director of Finance, Director of Finance and Managing Director, Co-Founder and Co-CEO.
Rafael's most recent position is Director of Finance at Kreative Tech Ventures.
In recent years, Rafael has worked for Kreative Tech Ventures, Arcadea Group, JOURNEE, and Fingate Advisors.
Rafael is most experienced in industries like Banking and Finance, Information Technology, and Healthcare. Rafael also has some experience in Transportation, Manufacturing, and Retail.
Rafael is most experienced in business areas like Finance, Accounting, and Investments and M&A. Rafael also has some experience in Strategy and Research and Development.
Rafael has recently worked in industries like Information Technology, Banking and Finance, and Healthcare.
Rafael has recently worked in business areas like Accounting, Finance, and Investments and M&A.
Rafael is immediately available for suitable projects.
Daily rate distribution
The rates shown represent the typical market range for freelancers in this position based on recent contracts on our platform.
Average rates for similar positions
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 26 Oct 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
Similar freelancers
Discover other experts with similar qualifications and experience
Jesus L.
Gunther H.
Andrea M.
Wolfgang H.
Bruno P.
Uwe R.
Helmut G.
David B.
Esteban Q.
Florian L.
Experts recently working on similar projects
Freelancers with hands-on experience in comparable project as a Director of Finance
Rafael M.
Gennaro O.
Francesc I.
Rüdiger T.
Lorena P.
Georg W.
Alexander F.
Simon S.
Felix M.
Jens R.
Nearby freelancers
Professionals working in or nearby Madrid, Spain
Carlos F.
Ricardo D.
Adrian R.
Emmanuel E.
Holger K.
Valentina O.
Yurii G.
Davide M.
Irene S.
Carlos L.
