Role: Client CFO (Restructuring & Turnarounds)
Role: Remote, US based
ABOUT
We’re building a new kind of firm, one that brings together McKinsey-grade strategy, Big 4-grade rigor, and founder-grade hustle.
Our mission: To empower founders to lead with clarity, scale with discipline, and create meaningful value for all stakeholders.
We advise consumer and retail brands from startup to scale to M&A. Our team blends top-tier consulting strategy with hands-on execution to help founder-led brands grow with confidence, navigate complexity, and build enterprise value.
ROLE
We're hiring a full-time Client CFO with expertise in restructuring and turnarounds within the consumer products to serve as a fractional CFO to a focused portfolio of brands that are facing liquidity pressure, distress, or the need for a turnaround. This is a high-stakes, high-trust leadership role.
You will lead financial strategy, restructuring execution, and crisis-grade FP&A for a small number of brands at a time, owning cash management, creditor and lender relationships, and the hard calls that come with stabilizing a business under pressure. Beyond that, we want someone who brings order to chaos: someone who builds the systems, cadence, and clarity a company needs when the stakes are highest.
1. Lead Client Finance in Distress (Fractional CFO)
Serve as Client CFO (fractional) for a concentrated portfolio of 2-3 clients navigating restructuring, turnaround, or special situations
Own cash management, 13-week cash flow forecasting, and liquidity runway with daily/weekly precision
Act as a steady, strategic partner to founders, CEOs, boards, and investors when trust and clarity matter most
Manage lender, creditor, landlord, vendor, and investor relationships with composure and credibility, including forbearance and workout discussions
2. Own Restructuring Strategy and Financial Clarity
Build and maintain dynamic cash flow, scenario, and downside models to support real-time decision-making
Lead cost restructuring, working capital optimization, and margin triage across the business
Build KPI and early-warning dashboards so leadership sees problems before they become crises
Partner with internal accounting to ensure reporting integrity holds up under scrutiny (lenders, boards, potential buyers)
3. Special Situations Advisory + Capital Markets Support
Advise clients on out-of-court restructuring, debt renegotiation, bridge financing, and capital triage
Own creditor packs, lender presentations, and act as "deal-time CFO" for recapitalizations, wind-downs, or distressed M&A
Support board material prep and investor communications during periods of heightened scrutiny
Provide clear decision frameworks to help founders navigate runway, burn, and existential tradeoffs
4. Workflow, Systems, and Judgment Under Pressure
Templatize the tools of the trade - cash flow models, creditor waterfalls, scenario trackers - so they can be stood up fast for any new client
Lean towards being AI-native and actively use Claude and LLMs to move faster without sacrificing rigor
Document playbooks for special situations engagements and improve how the firm delivers under time pressure
QUALIFICATIONS
Strong experience in finance leadership roles, with direct experience in restructuring, turnarounds, or distressed situations (required)
Past experience in a multi-client or portfolio CFO role (required)
Deep understanding of consumer business models (DTC, retail, omnichannel, wholesale)
Hands-on experience building and living inside 13-week cash flow models, and managing through liquidity constraints
Direct experience negotiating with lenders, creditors, or landlords, and supporting workout or forbearance processes
Strong FP&A and modeling skills, including multi-year 3-statement modeling and downside scenario planning
Experience with accounting systems (QBO, NetSuite)
Ability to stay calm, synthesize complex and incomplete data, and communicate hard truths with confidence
Experience working directly with executive teams and boards under pressure
Comfortable managing 2-3 concentrated client relationships simultaneously in a fast-moving, high-stakes environment
Thrives in a lean, high-performance, distributed team, and doesn't rattle easily
WHAT YOU'LL LOVE
High-stakes, high-trust role where your judgment directly determines outcomes for founders and their teams
Small, elite team where your work is the difference between a save and a shutdown
Remote-first culture with deep collaboration and zero bureaucracy
A fast-growing firm that rewards performance, not pedigree
High comp upside based on book of business production
Skills Required
- Strong experience in finance leadership roles with direct experience in restructuring, turnarounds, or distressed situations
- Past experience in a multi-client or portfolio CFO role
- Deep understanding of consumer business models (DTC, retail, omnichannel, wholesale)
- Hands-on experience building and operating 13-week cash flow models and managing through liquidity constraints
- Direct experience negotiating with lenders, creditors, or landlords and supporting workout or forbearance processes
- Strong FP&A and financial modeling skills, including multi-year 3-statement modeling and downside scenario planning
- Experience with accounting systems (QBO, NetSuite)
- Ability to synthesize incomplete data, stay calm under pressure, and communicate hard truths with confidence
- Experience working directly with executive teams and boards during high-scrutiny periods
- Comfortable managing 2-3 concentrated client relationships simultaneously
- Familiarity with AI-native workflows and using LLMs (e.g., Claude) to accelerate analysis and model-building
What We Do
FinanceWithin is a professional services firm providing strategic CFO, FP&A, and accounting services to founder-led companies, specifically within the consumer, DTC, retail, and CPG sectors. The firm helps businesses drive performance and enhance enterprise value through financial modeling, cash flow management, and investor-ready reporting, supporting companies through various stages from startup to M&A.
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