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Client CFO (DTC and CPG) : Restructuring & Turnarounds

New York, New York, United States · Remote Solely

Senior+

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: T…

Skills: Restructuring, Turnaround Management, Fractional CFO, Cash Flow Forecasting, Liquidity Management

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Client CFO (DTC and CPG) : Restructuring & Turnarounds

FinanceWithin

New York, New York, United States • Remote Solely

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Senior+

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  • Full-time
  • Posted 6d ago
  • ~40 hrs/week
  • Remote in United States

Responsibilities

Serve as a fractional CFO for a portfolio of distressed consumer brands, managing liquidity, cash flow, and creditor relationships. Lead financial restructuring strategies and build the systems necessary to stabilize businesses under high pressure.

Requirements

Requires extensive experience in finance leadership specifically within restructuring, turnarounds, and multi-client portfolio management. Must have deep expertise in consumer business models and hands-on experience with 13-week cash flow modeling.

Full 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

Related keywords

RestructuringTurnaroundsDTCCPGFractional CFO13-Week Cash FlowLiquidity RunwayForbearanceWorkout DiscussionsWorking Capital OptimizationMargin TriageCapital MarketsBridge FinancingRecapitalizationsDistressed M&AQBO

About FinanceWithin

LinkedInVisit site

CFO, FP&A, and Accounting partner for founder-led companies.

Industry
Financial Services
Company size
11-50 employees
Founded
2022
Headquarters
New York, NY
LinkedIn followers
4,496

We partner with founders and leadership teams as both advisors and operators—combining strategic guidance with tactical execution to drive sharper decisions, faster movement, and lasting value across finance and operations. We deliver the leverage of a whole finance organization without the overhead. Our institutional-grade insights and hands-on support help clients improve efficiency, build productive assets, and realize the benefits of a full-time team at a fraction of the cost.

Offices: 1460 Broadway, New York, NY 10036, US

Risk ManagementAccountingFinanceFinancial Services
View all jobs at FinanceWithin

About FinanceWithin

LinkedInVisit site

CFO, FP&A, and Accounting partner for founder-led companies.

Industry
Financial Services
Company size
11-50 employees
Founded
2022
Headquarters
New York, NY
LinkedIn followers
4,496

We partner with founders and leadership teams as both advisors and operators—combining strategic guidance with tactical execution to drive sharper decisions, faster movement, and lasting value across finance and operations. We deliver the leverage of a whole finance organization without the overhead. Our institutional-grade insights and hands-on support help clients improve efficiency, build productive assets, and realize the benefits of a full-time team at a fraction of the cost.

Offices: 1460 Broadway, New York, NY 10036, US

Risk ManagementAccountingFinanceFinancial Services
View all jobs at FinanceWithin

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