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. Fixed-fee engagements, wherever your business runs.
Who I work with
Founders and operators
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.
See engagements →Lenders and fintechs
Institutions 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.
Credit & risk analytics →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 →94 out of 100
Risk called correctly, at sovereign scale
Across 49 economies, my research model ranks a country heading for debt distress above a stable one 94 times out of 100 on unseen data (AUROC 0.943). Now being prepared for peer-reviewed publication.
Read the research →33+ operators
A federal authority's revenue, computed by my system
Tax-compliance and backduty-assessment infrastructure for a federal revenue authority: every operator assessed under one consistent, auditable set of rules. Built end to end as sole technical lead; now at handover stage.
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 losing $10k. He is just so good at what he does.”
“A real problem-solver. I valued having him as a consultant on the work.”
“You tackled a real business pain point instead of building for the sake of building.”
Attributions are anonymised by role and sector at clients’ discretion. The work itself is open below.
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.
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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.
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Financial KPI Intelligence
An executive dashboard with variance decomposition and period-over-period analysis. The kind of monthly reporting pack a retainer client receives.
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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.
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Churn & LTV Intelligence
Customer lifetime value and churn prediction with actionable retention triggers, for subscription and e-commerce businesses.
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Fraud Detection Engine
Real-time anomaly scoring on financial transactions with adaptive thresholds. Protection that scales with your volume.
Try it live →More client tools are in the case studies; the quantitative laboratory, where the methodology gets stress-tested, lives under Research & Writing.
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.