Karen Stephen

CEO

London, England, United Kingdom11 yrs 8 mos experience

Key Highlights

  • Over 11 years of experience in financial leadership roles.
  • Fluent in finance, French, and Spanish.
  • Expert in cash flow optimization and financial strategy.
Stackforce AI infers this person is a Fractional CFO specializing in E-commerce and SaaS financial strategies.

Contact

Skills

Core Skills

Financial PlanningStrategic Financial ManagementFinance AutomationFinancial Planning And Analysis (fp&a)Cash Flow OptimizationFinance StrategyEditingFinancial Reporting

Other Skills

Software as a Service (SaaS)Cash Flow ManagementData AnalyticsDebt ManagementFundraisingBusiness PlansFinancial ProjectionsProofreadingFinancial ForecastingDebt RestructuringVenture CapitalCommunicationBusiness partneringFinancial AnalysisStakeholder Management

About

I operate as a Fractional CFO remotely and help CEOs achieve sustainable growth and positive cash flow. Being fluent in finance and all business KPIs, I can easily translate to ambitious CEO’s the elements that are holding their business back. Are you looking to improve the financial performance of your company? Starting a business is simple. Everyone is doing it. But maintaining a viable business is the real challenge. If you are struggling to establish financial stability in your new business, allow me to let you in on a little secret, you are not the only one! HOW CAN I HELP? I work with multiple businesses just like yours to: ✔️Identify the issues that are restricting cashflow ✔️Demonstrate methods that can improve these issues and optimize cashflow ✔️Agree the key performance indicators (KPIs) that need to be monitored regularly ✔️Provide adequate management reporting that will allow management to effectively run their business, through visibility of their KPIs and their cashflow I can do the same for you. WHO DO I WORK WITH? I focus primarily on ecommerce & digital subscription businesses, but my experience and training allows for companies of all varieties. After all, finance foundations can be applied across all business types. The key traits that link my clients together are that they are ✔️Driven to SUCCEED ✔️Motivated to LEARN about their finances ✔️OPEN to advice; and ✔️Supportive of REMOTE work culture WHY ME? Outside of my qualified track record (see below), I am most appreciated for my ability to break down financial information in a way that anyone will understand. I speak French, I speak Spanish, and I speak finance. Languages and communication have been an interest and talent of mine since I was a child, and my clients often appreciate that I can translate their financials into their language. Qualified Track Record ✔️Chartered Accountant (CA/ CPA) ✔️11+ Years Experience ✔️1st Class University Degree in Accounting HOW TO GET IN TOUCH ☎️ Book a call with me https://www.soulcfo.com/lets-chat 📩 Drop me an email or message and tell me about your company 👩‍💼 Read my website www.soulcfo.com

Experience

11 yrs 8 mos
Total Experience
2 yrs 6 mos
Average Tenure
1 yr 7 mos
Current Experience

Xi engineering consultants ltd.

CFO

Sep 2025Present · 8 mos · Remote

Brand. bank. build.

Co Host

Mar 2025Present · 1 yr 2 mos · Remote

  • Co-host of Brand. Bank. Build. The podcast about how to build a strong and sustainable finance and marketing mindset to grow your business.

Keracol limited

Chief Financial Officer

Nov 2024Nov 2025 · 1 yr · Remote

Float cash flow forecasting

Float CFO Advisory Board

Oct 2024Present · 1 yr 7 mos · Edinburgh, Scotland, United Kingdom · Remote

  • A diverse panel of industry leaders collaborating to shape Float's product direction and
  • strategic initiatives.
Finance AutomationSoftware as a Service (SaaS)Financial Planning and Analysis (FP&A)Cash Flow ManagementData Analytics

Salesmethods ltd

Fractional CFO

Jan 2024Present · 2 yrs 4 mos · London Area, United Kingdom · Remote

Financial PlanningStrategic Financial ManagementFinancial Reporting

Cadogan

Fractional CFO

Jul 2021Jun 2023 · 1 yr 11 mos · Los Angeles, California, United States · Remote

Financial PlanningStrategic Financial ManagementFinancial ForecastingCash Flow ManagementDebt Restructuring

Resurgo.co

Fractional CFO

Jul 2020Jun 2023 · 2 yrs 11 mos · Canada · Remote

Strategic Financial Management

Nomads skillshare!

Start Up Finance Consultant & Virtual Events Manager

Apr 2020Jul 2022 · 2 yrs 3 mos · Remote

Soul cfo

Founder/ CEO

Dec 2019Present · 6 yrs 5 mos · Remote

  • ✅ Fractional CFO for multiple digital and e-commerce businesses
  • ✅ I help CEOs understand the key drivers of their business and provide them the financial insight to allow for important strategical decisions
  • ✅ Key responsibilities include recruitment & management of high-performing finance teams, clear and timely financial reporting, insightful financial analysis to drive strategic business decisions, building financial projections and investment materials to support fundraising efforts
  • ✅ Highly skilled in cash flow optimization, debt management, finance strategy, fundraising, business plans, and financial projections

Inspiral agency

Fractional CFO

Nov 2019May 2022 · 2 yrs 6 mos · Hong Kong, Hong Kong SAR · Remote

Strategic Financial ManagementFinancial Reporting

Omflow

Online Yoga Teacher

Aug 2019Nov 2020 · 1 yr 3 mos · Remote

Fp&a trends group

Freelance Editor/ Proofreader

May 2019May 2025 · 6 yrs · Remote

ProofreadingEditing

Cima

Academic Training Consultant (Freelance)

Nov 2017Dec 2019 · 2 yrs 1 mo · Greater London, England, United Kingdom · Remote

  • ✅ Finance subject matter expert
  • ✅ Write, edit, and review academic exam questions for trainee professional accountants.

Moneysupermarket group

Head of Digital Marketing & Customer Finance (Contract)

Sep 2017Aug 2018 · 11 mos · Greater London, England, United Kingdom · Hybrid

  • ✅ Development of marketing 5 year spend strategy, supporting the Chief Marketing Officer’s brand investment proposal with strong financial information.
  • ✅ Key finance support for newly appointed Chief People Officer during company re-structure, coaching Exec team members through their team evaluations and financial saving targets.
  • ✅ Finance representation at weekly marketing trade meetings with key senior internal stakeholders.

Hitachi rail sts

Financial Planning and Analysis Manager

Apr 2017Sep 2017 · 5 mos · Greater London, England, United Kingdom · On-site

Strategic Financial ManagementFinancial Reporting

Independent travel

Career Break | Independent Travel in Australia and Indonesia

Oct 2016Apr 2017 · 6 mos · Bali, Indonesia

Financial Reporting

Virgin media

3 roles

Senior Finance Business Partner - Digital & Sales

Jun 2015Sep 2016 · 1 yr 3 mos · Greater London, England, United Kingdom · On-site

  • ✅ Primary finance lead on CAC (Cost of Customer Acquisition) delivering comprehensive analysis to senior management; enabling all decisions on company sales & marketing investment
  • ✅ Regular finance representation at Digital Trading & Sales Team meetings with key senior internal stakeholders, presenting financial analysis, budget targets and company results.

Finance Business Partner - Digital Entertainment (TV Product)

Aug 2013Jun 2015 · 1 yr 10 mos · Greater London, England, United Kingdom · On-site

  • ✅ Financial and commercial representation at all Investment Committee for strategic TV product projects, all digital & sales trading meetings with board and key senior internal stakeholders
  • ✅ Finance lead on TV product commercial discussions and third-party negotiations
Financial Reporting

Finance Business Partner - Mobile

Jan 2012Aug 2013 · 1 yr 7 mos · Greater London, England, United Kingdom · On-site

  • ✅ Built retention weekly reporting to highlight a neglected area; establishing margin dilution and handset ROI as KPIs to bring operational focus back to financial performance.
  • ✅ Led overall mobile budget process, managing 7 peers to ensure inclusion of business partners in the process, appropriate consideration of strategic objectives and achievement of group deadlines.

Scott-moncrieff (representing moore stephens in scotland)

Audit senior

Aug 2008Aug 2011 · 3 yrs · Edinburgh, Scotland, United Kingdom · Hybrid

  • ✅ Key client-facing company representative for finance contracts across a variety of industries.
  • ✅ Developed & mentored audit trainees, including on the job training, mock exam review, performance appraisals & upward feedback to management.

Education

ICAS - The Professional Body of CAs

CA

Jan 2008Jan 2011

University of Strathclyde

BA (Hons) 1st — Accountancy with French

Jan 2002Jan 2006

Strathclyde Business School

Bachelor of Arts - BA — Accounting

Jan 2002Jan 2006

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