Fractional CFO

About the role

GRO Solutions is building GRO, a privacy-first AI financial companion that turns everyday money decisions into lasting financial confidence. We are backed by GrowthX Capital, headquartered in Doha, and heading into launch. Finance has been founder-run so far — it should not stay that way. We are looking for a CFO to take the finance function from founder-run to institution-ready. You own the numbers end to end: the ledger, the close, the tax position, the model, and the story those numbers tell to investors and partners. This starts as a fractional engagement with a path to a full-time seat as we scale through our next rounds.

What you will own

• The books and the close — bookkeeping, monthly management accounts and a clean audit trail from day one, executed with outsourced support under your supervision.
• Tax and statutory compliance under the QFC regime, together with our appointed audit and tax advisors.
• The financial model — a driver-based model that ties product metrics to burn, runway and the numbers we put in front of investors.
• Budgeting and burn discipline, with runway reporting the founding team can actually act on.
• Investor reporting and the data room — the KPI definitions and a diligence pack that holds up under scrutiny.
• Unit economics for a consumer subscription product: acquisition cost, retention, lifetime value and the real cost of running AI at scale.
• Banking and treasury relationships in Qatar, and across Europe as we expand.
• Financial readiness for our next priced round: model, cap table mechanics, instrument conversion and diligence.

The mandate

Your first mission is to get finance to a standard that survives institutional diligence, and to build the model and reporting that carry us into our next priced round. From there, the role widens — supporting entity structure as we expand beyond Qatar, building the banking and partner relationships a financial product depends on, and eventually taking on corporate development as strategic conversations begin. The early phase rewards an operator willing to be on the ledger; everything after rewards a strategist. We are looking for someone who is genuinely both.

What we are looking for

• A qualified accountant with real CFO-level experience behind the qualification.
• Hands-on fluency with bookkeeping and close, not only oversight — at this stage you will sometimes do the work yourself.
• Driver-based financial modeling for consumer subscription businesses, and the judgment to know which drivers matter.
• An informed view of consumer finance: how people actually earn, spend, borrow and save, not only how it is reported. Our product lives or dies on that understanding, and we want a CFO who shares it.
• Respect for the boundary that defines us: we educate, we never give financial advice. That boundary shapes our model, our partnerships and our regulatory posture.
• Clear, direct communication and the judgment to operate as a true financial counterpart to a founding team.
• Comfort with startup reality: incomplete data, fast decisions and no finance department standing behind you.

Nice to have

• Experience in the GCC, and specifically with the QFC regime.
• You have taken a startup through at least one institutional funding round and know what diligence actually asks for.
• Familiarity with both European and Middle Eastern banking infrastructure, payment rails and consumer finance regulation.
• A fintech or regulated financial services background.
• An established network among investors, banks and strategic partners across the GCC and Europe.
• Corporate development or M&A experience, buy side or sell side.
• Arabic.

How this works

• You start fractional: an agreed number of days per month, as an individual contractor or through your own practice.
• Scope and commitment are reviewed at set intervals as the company grows.
• For the right person, there is a path to a full-time CFO seat as we scale through our next rounds.
• Remote works.

Why this role

Most fractional finance work is maintenance. This is not. You are building a finance function from the first entry, at a company where financial literacy is the product itself — which means your instincts about how people handle money feed straight back into what we build. You get a category-defining product at the intersection of AI and personal finance, real investor backing, a senior founding team that has shipped at scale, and a seat at the table for the decisions that set the next five years.