Fractional CFO - CPG

Position Overview: As a Fractional CFO at Your Cohort, you will serve as a senior finance leader embedded across a portfolio of 2–4 client companies simultaneously. Your clients are product-driven businesses, primarily in consumer goods, fashion, apparel, and inventory-intensive industries, generating between $1M and $50M in annual revenue. They are scaling, managing physical inventory, navigating multi-channel distribution, and often using debt instruments like factoring and revolving credit lines to fund growth. They need a strategic partner who can help them understand what is happening in the business and make better financial decisions. This role carries both client-facing responsibilities and required internal commitments. You will participate in team meetings, training sessions, and firmwide initiatives alongside your client work. Investing in the team is part of the job; it is how we raise the quality of everything we deliver. This is a remote, engagement structured as a 1099 independent contractor arrangement. Total hours, including client and internal commitments, are discussed during the interview process.

Internal Team Commitments: Participate in all team meetings, team trainings, and firmwide sessions; these are required, not optional. Share tools, frameworks, and learnings with the broader team. Engage in continuous professional development, including working with AI-powered finance tools. Contribute to the firm’s internal knowledge base and documentation standards.

Industry Background: Deep, direct experience in one or more of the following is required. Candidates without verifiable experience in CPG, fashion, or inventory-driven businesses will not be considered.

CPG: Multi-retailer and distributor experience (major national retailers), trade spend management, slotting fees, and promotional ROI.Fashion / Apparel: Seasonal inventory, SKU-level financials, markdown strategy, order management, EDI, and omnichannel distribution. Inventory-intensive businesses: Physical product companies with supply chain complexity, purchase order financing, and landed cost management. Excellent at time management and being resourceful. Looking to expand network and bring new vendor relationships Financial and Technical SkillsExpert-level financial modeling, cash flow forecasting, and scenario analysis. Demonstrated experience advising on and structuring factoring arrangements, including evaluating factor terms, advance rates, and fee structures. Working knowledge of debt financing instruments: revolving credit facilities, inventory loans, PO financing, and revenue-based financing. Hands-on ERP experience, NetSuite, QuickBooks, AIMS360, or equivalent, including implementation or migration oversight. Ability to build multi-retailer financial models incorporating trade spend, margin stacking, and channel contribution. Comfort working in the $1M–$20M revenue range, where cash efficiency and working capital management are daily priorities.

AI Knowledge: We are building a forward-looking finance practice. Every member of our team is expected to actively engage with AI tools and emerging financial technology. Candidates who are not actively engaging with new tools are not the right fit for this team. You are already using or actively exploring AI-powered FP&A, reporting, or automation tools. You are curious, you read, experiment, and invest in your own learning without being asked. You understand that AI is not a replacement for financial judgment, but a way to work faster and better. You can speak to how AI tools have changed or could change your workflow.

Team Orientation: This is not a solo consulting role. We are a team, and that matters here. We are looking for someone who can show up fully for client work, internal commitments, team meetings, training, and firmwide projects. These are part of the role and part of how we maintain a strong standard of client service. You should enjoy learning from peers, contributing to the team, and taking ownership of your own development. This role is a strong fit for someone who is curious, accountable, collaborative, and open to adopting the Your Cohort way of working. Experience and Credentials 12+ years of progressive finance leadership experience, including 3+ years in a CFO or equivalent role. Proven track record delivering results at companies in the $1M–$20M revenue range in CPG, fashion, or inventory-driven sectors. CMA, CPA, MBA, or CFA strongly preferred but not required; equivalent operating experience in relevant industries may substitute. Strong written and verbal communication skills; ability to translate complex financial concepts for founders who are not finance experts. High integrity, structured thinking, and the ability to prioritize across multiple client engagements at once. Engagement Structure

Type: independent contractor (W-9 required).

Hours: Minimum committed hours per client, plus required Your Cohort team hours, as discussed during the interview process.

Compensation: Competitive monthly retainer, commensurate with experience and portfolio size.

Location: Remote, with occasional in-person client and team sessions. This Role Is Not the Right Fit IfYou are actively building or plan to build your own independent CFO practice and view client relationships as proprietary. You are currently a W2You are already stretched across too many engagements and cannot commit to the required team hours. You have only worked in SaaS and have no inventory or retail experience. You are not actively using or learning AI tools. You view internal training and team meetings as overhead rather than an investment.

Application process: As part of the interview process, we will also assess your Excel skills to ensure you have the technical foundation required for the role. You will be required to provide two referrals from the last 18 months. Company Onboarding Expectations: As part of joining our team, you will be required to complete an onboarding process where we will train you on our company’s methodologies, standards, tools, and internal processes. This will be a one-month training period before you are eligible for a client assignment. Our company is an equal-opportunity employer. We encourage candidates from all backgrounds to apply.

Note: This job description is intended to convey information essential to understanding the scope of the role. It is incomplete and may change based on the business's needs.