Orvile is available for hire
Hire OrvileOrvile Rabino, CFA, CPA
Verified Expert in Management Consulting
Management Consulting Expert
Prague, Czech Republic
Toptal member since February 22, 2022
Bio
Orvile is a CPA and CFA charterholder who builds the systems that run a finance function — and does the accounting to prove the output is right. He took a client's month-end close from business day 15 to day 3 using AI agents he wrote himself, and replaced a commercial lease-accounting platform with a subledger he built in a weekend and validated over months of parallel runs. He previously spent a decade in group FP&A across 10 countries at a consumer-finance group with 100,000+ employees.
Career Highlights
Principal, AI & Finance Systems
Self-employed
Senior FP&A Manager
Home Credit Group
Certification Highlights
Chartered Financial Analyst (CFA)
CFA institute
Certified Public Accountant (CPA)
Professional Regulation Commission
Case Studies
Capital Adequacy Stress Test Model
Scenario AnalysisFinancial ModelingCredit RiskMicrosoft ExcelLoans & LendingConsumer Lending+ 5 more
Pitch Deck (M&A)
Mergers & Acquisitions (M&A)Pitch DecksDCF ValuationStartupsRevenue & Expense ProjectionsProfit & Loss (P&L)
Expertise
- Accounting
- Corporate Finance
- Credit Risk
- Financial Controlling
- Financial Modeling
- Financial Planning & Analysis (FP&A)
- Fintech
- Revenue & Expense Projections
Work Experience
Principal, AI & Finance Systems
2024 - PRESENT
Self-employed
- Took a client's month-end close from business day 15 to day 3 across successive closes, every entity reconciled and consolidated, with the same headcount and post-close adjustments held flat.
- Built a complete closed control system: a machine-readable checklist where nothing reaches prepared without a written explanation, a deterministic readiness engine, dependency tracking across tasks, sign-off, and period lockdown.
- Designed four independent read-only review agents that re-tie workpapers to the trial balance and subledgers, verify logged entries against what is posted, confirm material movements carry written drivers, and sweep for unlogged entries.
- Implemented a remediation rule that removes self-attestation: a finding clears only when the underlying check re-runs clean, never because someone marked it done. Findings carry a stable identity across periods.
- Built the guardrail layer before the automation: human approval on every posting, scheduled and headless runs denied write access at the tool layer, closed periods sealed, immutable audit trail, double-post prevention.
- Wrote custom MCP connectors over QuickBooks, Sage Intacct, Ramp, Square, and POS platforms that carry clients' own close checks as first-class tools: cutoff, cash-vs-accrual, intercompany, rollforward, missing attachments, and direct cash flow.
- Automated the transaction layer: categorization of thousands of corporate card transactions, AP bill review with rule-based coding and exception flagging, and revenue posting from POS to the general ledger with no human handling.
- Replaced a commercial ASC 842 lease platform with a purpose-built subledger: versioned terms, generated amortization schedules, month-end AJEs with per-lease tie-out, derecognition. Ran in parallel, tied to the dollar; subscription canceled.
- Rebuilt a consolidated statement set from raw ledger data across 26 legal entities for a multi-state group, tied to the client's own exported profit and loss and balance sheet at location grain.
- Acted as vCFO alongside the systems work, reporting into ownership and the board, and building the reporting they read, and handed over code, tests, and runbooks so nothing became a single person's dependency.
Focus areas: Process Automation, Controllership, Financial Controlling, US GAAP, Sage Intacct, Python 3, Fractional CFO, Artificial Intelligence (AI), Accounting, Claude API, Claude Code, Codex
Senior FP&A Manager
2018 - 2024
Home Credit Group
- Led the planning and budgeting process of a global leader in consumer finance technology with $20+ billion in assets, 100,000+ employees, and 130+ million customers.
- Assisted the local finance teams in assessing country performance, identifying key risks and opportunities, reviewing and approving new product proposals, and preparing budgets, forecasts, and profitability analyses.
- Performed off-site visits to local operations and conducted business health checks. Contributed to the area of operations management and product profitability evaluations.
- Created Power BI dashboards for value-added services monitoring and product profitability analytics for top management reporting.
- Performed a deep dive analysis and benchmarking on multiple countries' telesales performance with data science tools.
- Established the financial evaluation model for the joint-financing schemes and asset sale transactions in multiple countries.
- Reviewed the loans and portfolio modeling of the local operations, including incorporating various credit risk parameters and IFRS 9 compliance.
- Controlled the product pricing, reviewed product profitability sensitivities, and break-even scenarios.
- Designed and implemented customer and product profitability and unit economics in multiple countries of operation.
- Acted as a key player in the IPO and M&A preparations that involved the creation of financial projections, management presentations, and due diligence.
Focus areas: Financial Planning & Analysis (FP&A), Mergers & Acquisitions (M&A), Financial Controlling, Financial Modeling, Credit Risk, Fintech, Budgeting, Controlling, IFRS Consolidation, Treasury, Funding Strategy, Profit & Loss (P&L), Profit Maximization, Customer Lifetime Value (CLV), Consumer Loans, Credit Scores, Risk Management, Corporate Finance, Business Advisory, Operational Finance, Process Automation, CFO, eCommerce, Quantitative Finance, Data Science, Microsoft Power BI, PL/SQL, Oracle Hyperion Planning, Python 3, Forecasting, Loans & Lending, Consumer Lending, Microsoft Excel, Valuation, Revenue & Expense Projections, Due Diligence, Mortgages, IFRS 9, Business Planning, Cash Management, Accounting, Auditing, Business Taxation, Internal Control Evaluation, Microsoft PowerPoint, SAP, Control & Cost Analysis, Capacity Planning, Pricing, Revenue Management, CAPEX Budgeting & Inventory Management, Reporting, Business Analysis, CAPEX, Cash Flow, Interim CFO, Revenue Operations (RevOps)
Financial Controller
2022 - 2023
Kaleafa Inc.
- Worked as a financial controller for a client—a family-owned medical marijuana dispensary chain with eight stores in Oregon and Washington and around $42 million in annual revenue. They do cultivation and wholesale for their own stores.
- Cleaned the books and corrected historical postings of the transactions, mainly focusing on intercompany transactions.
- Created a comprehensive and automated dashboard to monitor business and financial performance.
- Proposed enhancement to the inventory control and management process from inventory procurement and intake to store allocations to end-customer sales.
Focus areas: Controller, Accounting, CPA, Controllership, Sage, Sage Intacct, Financial Planning & Analysis (FP&A), Revenue & Expense Projections, Forecasting, Cloud Financial Management
Planning and Reporting Expert
2022 - 2022
Pemex - Deerpark Refinery
- Worked as a planning and reporting expert for the client: an oil and chemical processing plant in Texas that has recently undergone an ownership change. The site operates as a standalone and has around 1,000 staff.
- Created a comprehensive planning model for around 500 million annual OPEX budget. Mapped the whole process involving >40 cost centers. The model was successfully used for the annual budgeting exercise.
- Proposed the setup for the reporting process and consolidation, including the creation of a centralized data repository to monitor the financial and non-financial metrics clearly.
Focus areas: Forecasting, Financial Planning & Analysis (FP&A), Operating Expenses (OPEX), CAPEX Budgeting & Inventory Management, CAPEX, Business Analysis, Reporting, SAP, Microsoft Power BI, Budgeting, Financial Modeling, Accounts Receivable, Cash Flow Modeling, Cash Flow, BI Reporting, Revenue & Expense Projections
Consultant | Financial Modeler
2017 - 2022
Multiple Startups
- Prepared the financial projections of a startup dating app in the US. The model output included three revenue streams: subscriptions, in-app purchases, and advertisements.
- Managed the full spectrum of the record-to-report accounting process of a fisheries group operating in the Caribbean. Recommended improvement in the legal structure to optimize costs, including taxes.
- Created an operating model for a distributor of anti-erosion products sold to construction companies. The final output was a working planning tool used to manage inventory levels and cash flows as their business grows.
- Established and streamlined the financial planning and reporting process for one of the biggest oil and gas explorations in the US. It provided a clean structure to the enterprise data flows and controls.
- Designed a simple Excel-based accounting system for a startup dating app.
- Prepared a financial projections model for a wearable cameras company that involved operational benchmarking with GoPro. The output was used to justify a $6 million capital raise.
- Constructed a startup model, including a cost-benefit analysis for a US coffee shop company's planned expansion to 10 locations.
- Created a franchise model for a global health and fitness club company that shows the potential progression of revenues, expenses, and cash flows over time.
- Prepared a business plan, including financial projections of a pharmaceutical company with a business model that fully integrates the interaction of the doctor-pharmacy-patient.
- Served as a fractional CFO for a cannabis dispensary retail company with over $30 million in annual revenue and a presence in 10 locations.
Focus areas: Financial Modeling, Revenue & Expense Projections, Fundraising, Valuation, DCF Valuation, Accounting, Taxation, QuickBooks Online, Intuit QuickBooks, Financial Controlling, Microsoft Excel, Fintech, Robotics, Financial Consultation, Financial Advisory, Business Planning, Mortgages, Cash Management, Auditing, Corporate Finance, Business Taxation, Financial Planning & Analysis (FP&A), Microsoft PowerPoint, Mergers & Acquisitions (M&A), Capacity Planning, Budgeting, Funding Strategy, Startups, Customer Lifetime Value (CLV), Profit & Loss (P&L), Pricing, Business Analysis, Small & Medium-sized Enterprises (SME), Fractional CFO, Inventory, Interim CFO
Business Controller
2016 - 2018
Home Credit Philippines
- Managed a team that controlled all functional departments' $20+ million operational spendings, regularly interacting with the CEO and top management on cost strategies and departmental performance.
- Brought down annual operating expenses by 10% or $2 million by resolving operational inefficiencies two months after joining the company.
- Created a comprehensive operational model as the main tool for annual budgeting and quarterly re-forecasting, which improved the productivity of the management process to be one of the best in the group.
- Handled the SAP migration process covering the FICO and payroll module. Established the cost center reporting and formalized the organizational cost ownership structure.
- Established the cost management system by combining various data sources, including operational DWH and ERP outputs.
- Oversaw the monthly closing process and management reporting by reviewing cost allocations and accruals, taxes, payroll, capital expenditures, and revenues.
Focus areas: Financial Planning & Analysis (FP&A), Control & Cost Analysis, Capacity Planning, Budgeting, Funding Strategy, Controller, Financial Controlling, Data, Data Science, Risk Management, Costing, Cost Management, Forecasting, Microsoft Excel, Valuation, Fintech, Revenue & Expense Projections, Loans & Lending, Business Planning, IFRS 9, Cash Management, Accounting, Auditing, Corporate Finance, Business Taxation, Internal Control Evaluation, Microsoft PowerPoint, Microsoft Power BI, Oracle Hyperion Planning, PL/SQL, Python 3, Mergers & Acquisitions (M&A), Credit Risk, SAP, Startups, Controlling, IFRS Consolidation, Customer Lifetime Value (CLV), Profit & Loss (P&L), Pricing, Revenue Management, CAPEX Budgeting & Inventory Management, Operating Expenses (OPEX), Reporting, Business Analysis, CAPEX
FP&A Manager
2015 - 2016
San Miguel Corporation (Telco Arm)
- Played a key role in the pioneer team of the $2.2 billion merger project that initially set up the FP&A function, including management reporting, products and deal management, and business partnering.
- Engaged with the department heads to implement the top-down strategy with a bottom-up plan. Created the debt drawdown and repayment schedule for the deal from various funding sources.
- Led the accounting system (SAP) migration process that includes reviewing and proposing change requests in the controlling module to incorporate best practice management reporting.
- Oversaw and reviewed the month-end closing process of the accounting books.
- Managed the business liquidation accounting process after the eventual buyout by the competitor.
Focus areas: Mergers & Acquisitions (M&A), Startups, Process Design, Financial Controlling, Strategic Planning, Forecasting, CFO, Microsoft Excel, Valuation, Revenue & Expense Projections, Business Planning, Cash Management, Accounting, Auditing, Corporate Finance, Business Taxation, Financial Planning & Analysis (FP&A), Internal Control Evaluation, Microsoft PowerPoint, SAP, Control & Cost Analysis, Capacity Planning, Budgeting, Funding Strategy, Controlling, IFRS Consolidation, Profit & Loss (P&L), Pricing, Liquidation Analysis, CAPEX Budgeting & Inventory Management, CAPEX
Associate Auditor
2014 - 2015
EY
- Reviewed financial accounts of multinational companies from real estate, healthcare, hospitality, education, and retail industries to ensure the validity and legality of their financial records.
- Acted in a semi-advisory role to recommend possible risk aversion measures and cost savings that could be made.
- Identified the undetected accounting issues that lasted for a long time due to self-formulated procedures.
Focus areas: Auditing, US GAAP, International Financial Reporting Standards (IFRS), Financial Controlling, Microsoft Excel, Accounting, Internal Control Evaluation, SAP, Intuit QuickBooks, Control & Cost Analysis, Profit & Loss (P&L), CAPEX Budgeting & Inventory Management
Education
2009 - 2014
Bachelor's Degree in Accountancy
Adventist University of the Philippines - Cavite, Philippines
Certifications
DECEMBER 2021 - PRESENT
Data Scientist Track
DataCamp
OCTOBER 2019 - PRESENT
Chartered Financial Analyst (CFA)
CFA institute
JULY 2014 - PRESENT
Certified Public Accountant (CPA)
Professional Regulation Commission
Skills
Finance
Valuation, Financial Modeling, Accounting, Corporate Finance, Business Taxation, Financial Planning & Analysis (FP&A), Budgeting, DCF Valuation, Profit & Loss (P&L), Customer Lifetime Value (CLV), Consumer Loans, Operational Finance, Controller, CFO, Revenue & Expense Projections, Taxation, Cost Management, Forecasting, Consumer Lending, Financial Advisory, Pricing, Revenue Management, Operating Expenses (OPEX), Cash Flow, Mergers & Acquisitions (M&A), Credit Risk, Funding Strategy, Capital Raising, Business Advisory, Fundraising, Due Diligence, Cash Management, CPA, Cash Flow Modeling, Cloud Financial Management, Revenue Operations (RevOps)
Output Software
Microsoft Excel, Microsoft PowerPoint
Data & Analysis Software
Intuit QuickBooks, QuickBooks Online
Other
Auditing, Financial Controlling, Control & Cost Analysis, Startups, International Financial Reporting Standards (IFRS), Scenario Analysis, Pitch Decks, Fintech, Controlling, IFRS Consolidation, Treasury, Profit Maximization, Risk Management, Process Automation, eCommerce, Data, Costing, Loans & Lending, Financial Consultation, Business Planning, Mortgages, IFRS 9, CAPEX Budgeting & Inventory Management, Reporting, Business Analysis, CAPEX, Small & Medium-sized Enterprises (SME), Data Science, Internal Control Evaluation, Microsoft Power BI, Oracle Hyperion Planning, PL/SQL, Python 3, SAP, Capacity Planning, Process Design, Strategic Planning, US GAAP, Entrepreneurship, Credit Scores, Quantitative Finance, Robotics, Fractional CFO, Inventory, Interim CFO, Liquidation Analysis, Sage Intacct, Controllership, Sage, Accounts Receivable, BI Reporting, Artificial Intelligence (AI), Claude Code, Codex, Claude API, Ramp, Square, Google Workspace
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