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Client CFO (DTC and CPG) : Restructuring & Turnarounds

Role overview

Qualifications

  • 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 living inside 13-week cash flow models, and managing through liquidity constraints

Responsibilities

  • Serve as Client CFO (fractional) for a concentrated portfolio of 2-3 clients navigating restructuring, turnaround, or special situations
  • Build and maintain dynamic cash flow, scenario, and downside models to support real-time decision-making
  • Advise clients on out-of-court restructuring, debt renegotiation, bridge financing, and capital triage
  • Templatize tools for cash flow models, creditor waterfalls, scenario trackers for new clients

Key facts

  • Remote from: New York (USA)
  • Full time
  • Expert & Leadership (>10 years)
  • English

Other skills

  • Communication
  • Leadership
  • Relationship Management
  • Problem Solving

About the company

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FinanceWithin

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Company details

IndustryAccounting
Company sizeUnknown

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Job description

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

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MR

Marcus Rivera

Chief Revenue Officer

m.rivera@company.com
linkedin.com/in/marcusrivera
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