The financial visibility of a CFO, at a fraction of the cost.
I provide fractional FP&A, financial modelling, and credit & risk analytics to growing businesses and lenders: models, forecasts, and analysis that turn clean books into confident decisions. Wherever your business runs.
Book an introductory callWho I work with
Founders deciding between a fractional and a full-time CFO
Growing businesses in e-commerce, agencies, SaaS, and professional services, with clean books but no finance function. The bookkeeping is handled; the question is what the numbers mean and what to do next.
Lenders that need credit risk analytics
Fintech and marketplace lenders originating credit without in-house quantitative capability. Underwriting runs on judgment and policy rules; the loan book has data that could price risk better, but nobody on staff builds models.
Track record
Every loan, scored
A credit model lenders actually use
A deployed credit scoring model at a microfinance lender, scoring applications at origination. Credit officers see exactly why each score is what it is, in documentation a regulator can audit.
Read the case study →AUROC 0.943
Default risk ranked correctly 94 times out of 100
Across 49 economies of unseen data, my research model separates a country heading for debt distress from a stable one with an out-of-sample AUROC of 0.943. The same validation discipline underwrites every client model I build.
Read the research →33+ operators
One authority's tax base, computed under a single audited rulebook
Manual, officer-by-officer assessment for 33+ international operators replaced by one statute-faithful engine with a full audit trail: consistent assessments, and historical backduty quantifiable at scale for the first time.
Read the case study →In their words
“Whenever you detect a money leakage or a discrepancy, Muhammed is the one to go to. He is very good as a consultant.”
“He once saved me from paying extra $5k from loan sharks. He is just so good at what he does.”
“You tackled a real business pain point instead of building for the sake of building.”
See the work before you buy it
These are live systems. Open them, use them. Each one can be replicated and personalised to your business, your data, and your decisions.
Credit Default Risk Model
Interpretable credit scoring with feature-level risk factors and regulator-ready documentation. Built for a lender; adaptable to any loan book.
Try it live →Want this scoring your own loan book? Book a call — Book a call to discuss.
Financial Statement Diagnostic
Upload a financial statement and get automated variance analysis, key ratios, anomaly flags, and a plain-English summary. The Financial Diagnostic engagement, in miniature.
Try it live →Want this run on your own statements? Book a call — Book a call to discuss.
Financial KPI Intelligence
An executive dashboard with variance decomposition and period-over-period analysis. The kind of monthly reporting pack a retainer client receives.
Try it live →Want this pack landing every month? Book a call — Book a call to discuss.
Revenue Optimization Model
Price elasticity and discount-impact modelling with a full scenario matrix. Shows what your pricing decisions cost, and what they could earn.
Try it live →Want this built on your pricing data? Book a call — Book a call to discuss.
Churn & LTV Intelligence
Customer lifetime value and churn prediction with actionable retention triggers, for subscription and e-commerce businesses.
Try it live →Want this on your own customer data? Book a call — Book a call to discuss.
Fraud Detection Engine
Real-time anomaly scoring on financial transactions with adaptive thresholds. Protection that scales with your volume.
Try it live →Want this watching your transaction flow? Book a call — Book a call to discuss.
More client tools are in the case studies; the quantitative laboratory, where the methodology gets stress-tested, lives under Research & Writing.
Common questions
How long does an engagement take?
A Financial Diagnostic runs two to three weeks and a Financial Model Build three to six weeks. The Fractional FP&A Retainer is monthly, cancellable with 30 days' notice. Credit, risk, and systems work is scoped per engagement.
What data do you need from me to start?
Your existing books and management accounts for diagnostic and FP&A work, and your loan-book data for credit and risk work. If the bookkeeping is already clean, that is usually enough to begin.
How is pricing structured?
One rule across all five engagements: a fixed fee, scoped on the introductory call and agreed in writing before work begins. No hourly billing, ever.
Where are you based, and do you work remotely?
Engagements run asynchronously with scheduled checkpoints, wherever your business operates. Work is delivered worldwide.
What do I get at the end of an engagement?
Artefacts you own and can operate yourself: the model, the documentation, and the methodology. Every engagement is built to hand over, not to create dependency.
If the books are clean but the decisions are hard, that is the gap this practice closes.
An introductory call is thirty minutes: what you are trying to decide, what your numbers can already tell you, and whether one of the five engagements fits. No preparation needed on your side.
Book an introductory call