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productcfo

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This site is built around one argument: finance is a product. Below is how I think about that, why it matters, and where to start.

Finance exists to change decisions. Whether to add three reps in EMEA. When to sunset a lower-margin SKU. What to commit to publicly for next year. Most finance work doesn't actually move those calls. It gets read once, archived, and reproduced next quarter.

A Product CFO treats the function as a product, with real users, versioned outputs, and adoption you can measure. The job is constantly re-deciding what to fund, what to kill, what to merge, and what to upgrade, in partnership with the people whose work depends on those decisions. Where Product trades off features inside a roadmap, Finance trades off capital, public commitments, and the projections everyone gets measured against. None of those calls will be 100% right. The work is increasing conviction without losing the flexibility to be wrong.

Building it that way means working differently. You build the analysis before someone asks, put a working version in front of users to see whether it helps, and polish only what they actually use. You build the data and systems foundation so AI can plug in and do work the team couldn't do alone. You start from what users need to decide and build whatever format gets them there, even if it's one you've never seen. The work compounds because each draft teaches you what the next one should be.

Where to start

Pick the entry point that fits what's in front of you.

If you're rebuilding your finance stack

A working version of how I'd build finance from scratch today, including what to wire AI into and what to leave alone.
Coming soon: first-principles essay

If you're sizing a build vs buy decision

The framework I use to pressure-test deploy versus acquire on real numbers.
Coming soon: Capital Allocation Engine

If you want the frame applied to a real company

A public-company analysis run through the Product CFO lens, with the calculator that produced it.
Coming soon: Pillar 3 teardown

If you want to articulate this to your team

The longer version of the argument, with the operator's translation of product-leadership principles into the CFO seat.
Coming soon: “What a Product CFO does”

If you want one number you can use Monday

A specific working tool from the seat that produces a defendable answer in under fifteen minutes.
Coming soon: high-leverage calculator (TBD)

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About two emails a month. Calculator releases, new essays, the occasional teardown.

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Who I am, in three sentences

I'm Suraj. CFO at a tech company, with prior stops in corp dev, product, and restructuring at Houlihan Lokey early in my career. I write here because the operator-CFO role doesn't have a public canon yet, and I'd like there to be one.

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