Freelancer profile translated to English.
Back to original languageAbout Ayoub
🎯 Finance Business Partner | Part-time CFO & Financial Controller | Financial Steering for SMEs.
Are you flying blind? Is your accounting three months late, and you're unsure if you can hire or invest with confidence?
I am Ayoub Merzak, an outsourced CFO and Finance Business Partner specializing in management control and financial steering for SMEs. With 7 years of experience (Amazon, CGI) as a Financial Controller & Manager. I founded GrowtZ to provide SME leaders with a clear financial vision, without the need to hire a full-time financial director.
📊 WHAT I DO:
- FINANCIAL DASHBOARDS
- Automated Excel Dashboards (Revenue, Margins, Cash Flow, KPIs).
- Actionable monthly reporting connected to your tools.
- CASH FLOW MANAGEMENT
- 6-12 month Cash Flow Plan.
- Cash flow shortage anticipation.
- Working Capital Requirement (BFR) and Days Sales Outstanding (DSO) optimization.
- PROFITABILITY ANALYSIS
- Profitability calculation per client/project/product.
- Identification of hidden margins.
- Break-even point and concrete recommendations.
- BUDGET & FORECAST
- Realistic annual budgets.
- Quarterly forecasts.
- Budget vs. Actual tracking.
- Financial scenarios.
🎯 FOR WHOM?
SME Leaders (1-200 employees) · Managers · Interim CFOs
📈 RESULTS:
- Financial dashboard delivered in 1 week: monthly reporting reduced to 2 hours
- 12-month cash flow plan: immediate visibility for investment decisions
- Implementation of management control: operational budget steering from the following month
💡 MY APPROACH:
- Pragmatic: Simple tools that work
- Fast: Deliverables from the first week
- Tailor-made: Adapted to your reality, not a generic template
🛠️ TOOLS:
- Advanced Excel
- Power Query
- Power BI
- Google Sheets
- Various ERPs
📅 30 minutes to review your financial steering:
English
Fluent
French
Native or bilingual
Can work on-site
Lyon (up to 50km), Paris (up to 50km), Marseille (up to 50km)
Experience
- Connection Leadership
On Malt
Financial ControllerCONSULTING AND AUDITSJanuary 2026 - April 2026 (3 months)Paris, France- Creation of a financial steering tool in Excel.- Budget monitoring (monthly closings)- Working Capital Requirement (BFR) monitoring and optimization- Cash flow forecasting- Forecast- Dashboard for management- Budget presentation for Executive Committee- Project profitability monitoring- Project profitability validation tool (Go-no-Go Matrix) - GrowtZFounder & Finance Business Partner | Financial Steering & Financial Structuring MissionsAugust 2025 - Today (10 months)Founded GrowtZ, specializing in financial steering for SMEs and startups.Missions performed:
- Automation of financial reporting (11+ companies)
- Implementation of Management Control
- Implementation of management dashboards
- Construction of 6-12 month forward-looking cash flow plans
- Profitability analyses (by activity/client/project/product)
- Training finance teams for autonomy
- Decision support for leaders
Sectors supported: Services, Tech/SaaS, E-commerce, ManufacturingAverage client results:→ -10 hours/month on manual reporting→ +6 months of cash flow visibility→ +12-15% margins revealed through profitability analyses - CGIManagement ControllerCONSULTING AND AUDITSJanuary 2020 - January 2022 (2 years)Casablanca, MoroccoFinancial steering of business units generating €5M annual revenue.Responsibilities:
- Design of a Power BI dashboard integrating key KPIs for financial performance anticipation.
- Monitoring and analysis of rolling forecasts and financial projections to improve forecast accuracy.
- Analysis of variances between forecast and actuals and implementation of corrective measures.
- Development and monitoring of the annual budget in collaboration with operational teams, participation in monthly closings and management reporting (P&L, cash flow, variances).
- Project and client profitability monitoring
- Cost and margin optimization
- Facilitation of steering meetings with operational managers
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Education
- Master of Science | Corporate Finance & Financial EngineeringInseec Business School2024Finance, Contrôle de gestion, Analyse financière, Pilotage financier, Consolidation et M&A, Excel VBA, Power BI
- Specialized Master in Audit and Management ControlENCG - Business School2019Contrôle de gestion, Comptabilité analytique, Audit financier, Fiscalité, Optimisation fiscale,