Finance Director & Head of Finance · Interim, fixed-term and permanent

Twenty-seven years in commercial finance. Eleven of them building a company of my own.

Commercial finance has been my craft since 1999: customer economics, margin, cash, and the decisions they drive. I lead finance for pharma, consumer, and owner- and investor-backed businesses through transformation, transition and growth, bringing the discipline of the listed boardroom and the accountability of the founder's seat to the same brief. I am available for interim, fixed-term and permanent finance leadership.

Jatinder Purewal, London
First
Positive operating income in the Parexel turnaround, 2012 to 2014: the Early Phase unit's first in its history, and a $13m improvement on plan.
6540
Days of receivables released at Parexel, materially improving the cash conversion cycle.
£2.5m+11%
Savings programme diagnosed and architected at Accord, with an 11% EBITDA improvement plan, in five months.
$2bn
Sell-side of Hospira's US$2 billion acquisition of Mayne Pharma: built and proofed the financial analysis behind the shareholder documentation.
No credit line
Eleven unbroken years of founder cash conversion: Far-East suppliers paid months before customers, on my own capital.
22·32
22 legal entities, 32 markets led as interim European Finance Director at Accord, a family-owned global generics group, 2015.
154%
Forecast variance sharpened at Chiron, 2003 to 2006, on the automated profit-centre and cost-centre bridge reporting I built.
HMRC
Joint finance lead on one of the largest UK transfer-pricing defences of its time, engaging HMRC directly, 2007 to 2011.
№1
A self-created brand built to category leadership in its primary product line, self-funded, and held through a 70%+ collapse to the rebound.
5 controls
Governing every AI-assisted output: provenance, cross-examination, validation against source, a learning loop and data confidentiality.
The starting point

Which of these is on your desk?

Mandates rarely start with a job description. They start with one of these.

  • Cash that stops at month end
  • A margin that moved, and nobody can say exactly why
  • A forecast the board has stopped trusting
  • Statutory or control risk that has outgrown the function
  • More entities, currencies and markets than the reporting can carry
  • A transaction, integration or exit on the horizon
  • A board asking for its AI position

Each one resolves below: what I bring to it, proven twice over.

Background

Commercial by instinct: the engine room of the decision, not the back office.

I read Accounting and Management Control at university and went straight into the commercial side of finance: the part that shapes what a business does next, not only what it reports. Every role since has run on the same instinct: get inside the numbers that move customers, margin and cash, and turn them into decisions leaders can act on.

One discipline runs through the record. At O2 it was subscriber economics and customer lifetime value, modelled by tariff, device and channel before it became standard practice across the sector. At Chiron it became patient-based modelling, introduced through long-range planning while the distributor markets were converted into owned affiliates. At GSK it matured into the forecasting behind transaction valuations. Today it is AI-governed living models on a live P&L: twenty-seven years of being early to the best available technique, with the governance to make it board-safe. The chapters below tell the rest.

Track record

Selected chapters: commercial finance across pharma, telecoms and my own business.

Direct-to-Consumer E-Commerce
Founder-Owner · UK-incorporated international brand, Amazon US/UK/EU & Shopify · 2015-Present

Eleven years as sole financial decision-maker with my own capital at risk: the full P&L, cash conversion, landed-cost margin, pricing and working capital of a self-funded international brand, built to a seven-figure US-dollar peak year. Stock is sourced and paid for in the Far East months before customers pay, so cash and margin architecture are survival disciplines, not reporting lines; margin and liquidity protected through a 70%+ COVID demand collapse and the restructuring that carried it to the rebound.

Accord Healthcare
European Finance Director, interim · 2015

Brought into a family-owned global generics group: a 22-entity, 32-market European function; diagnosed and architected a £2.5m savings programme and an 11% EBITDA improvement plan in five months, then handed it to the in-house team to execute.

Parexel
Senior Director, Operations Finance · 2012-2014

Delivered the Early Phase unit's first positive operating income in its history, a $13m improvement on plan; cut receivables from 65 to 40 days; led a 40-person finance team through a shared-services transition. Named Best Finance Team across the company's divisions, 2013.

GSK
Finance Director: IP, then Europe Pharma & Global Vaccines · 2007-2011

Jointly led the finance side of one of the largest UK transfer-pricing defences of its time, engaging HMRC directly. Secretary to the Group Transfer Pricing Steering Committee, whose membership included the Group CFO. Partnered R&D and Corporate Development across licensing and M&A, presenting to internal and legal-entity boards on transaction rationale and scenario analysis; built patient-based sales forecasting for transaction valuations, and co-led the redesign of the group's global trading model.

Mayne Pharma → Hospira
Global Business Performance Manager · 2006-2007

Group FP&A and performance leadership for the global generics business, and the finance of being acquired: built and proofed the financial analysis behind the shareholder documentation on Hospira's US$2 billion acquisition of Mayne Pharma, carrying group planning and reporting through the transaction.

Chiron / Novartis
Three senior roles, Europe and international · 2003-2006

Led finance for European Distributor Operations, a 17-country network: achieved record revenue and contribution growth of 20% on prior year, and converted the Austrian market into a direct affiliate. Introduced patient-based modelling through long-range planning, translating the O2 customer-value discipline into pharma. Built the automated profit-centre and cost-centre bridge reporting that cut forecast error against actuals from roughly 15% to 4% and the monthly close from 5.5 to 3.5 days, and led the flip of the European distributor operations into the Novartis affiliate structure.

O2 · Telefónica UK
Consumer Finance · 2000-2003

Built O2 UK's subscriber-economics reporting: annualised ARPU and churn by tariff and channel, and customer lifetime value (NPV) by device, tariff and channel; partnered commercial teams to 33% profitable sales growth. The demand-unit discipline I would later carry into pharma.

IMS Health · now IQVIA
Group Finance · 1999-2000

Where the recurring-revenue thread starts: group FP&A at the global headquarters of a subscription-based healthcare information business, over annual-subscription, software and service-contract revenue.

The given

Beneath every chapter sit the foundations of the Finance Director's chair: statutory and legal-entity reporting, the quarterly legal close, MD&A for SEC filings, Sarbanes-Oxley, audit, taxation and treasury, carried from an audit-practice grounding at Winter & Co and IMS Health's global headquarters through Chiron's European division, GSK and Parexel. I treat them as exactly what they are: the licence to operate, done rigorously, so the conversation can stay where finance creates value: profitability, growth, and the decisions that drive both.

The founder years

Eleven years running the whole commercial engine, with my own capital behind every call.

For eleven years I have built and run a UK direct-to-consumer business that trades internationally: Amazon marketplaces in the US, the UK and Europe, alongside a Shopify storefront, to a seven-figure US-dollar peak year. The company is self-funded. Every decision, from product design through Far-East sourcing, freight and duty, inventory, pricing and paid acquisition, has been made with my own capital at risk.

It is also the sternest working-capital education finance can offer: stock is sourced and paid for in the Far East long before a customer pays for it, so cash conversion, landed cost and margin architecture stop being reporting lines and become survival disciplines. Not advising on a P&L, but owning one outright, through a category collapse of more than 70% in the COVID travel downturn, and the restructuring that carried it through to the rebound on the other side.

The founder years extended the finance career. The record runs unbroken from 1999 to today, and its most recent decade has been its most demanding. Statutory accounts, VAT, multi-currency cash and AI-era modelling have stayed hands-on throughout: the discipline is current rather than remembered.

Cash conversionLanded-cost marginCAC disciplineStatutory accounts & VATMulti-currency trading: US, UK, EUDemand forecastingAI-governed tooling Finance and data driving every link in the chain.
AI

Contemporary AI fluency, applied. I have integrated Claude, Claude in Excel and ChatGPT directly into commercial analysis, forecasting and financial modelling: a working daily practice, with every output validated against source data the way an analyst's first draft would be. Read the practitioner notes →

How I help

Engagements scoped to the outcome the business needs.

01

Interim Finance Director

Full finance leadership for a defined period: stabilising, restructuring or steering a function through a critical phase, then handing over cleanly.

02

Transformation & transaction support

FP&A uplift, cost and margin programmes, M&A integration, transfer-pricing strategy and exit readiness, brought in for a specific, board-level objective.

03

Fractional CFO

Ongoing senior finance partnership at the cadence a growing business needs, without the cost or commitment of a full-time appointment.

Permanent Finance Director and Head of Finance appointments are equally welcome.

Typical triggers: cash visibility that stops at month end; a board pack grown long and late; margins that moved and nobody can say why; an integration drifting past its synergy case.

Engagements are contracted through Belmont London Ltd, established 2015 and VAT registered. Scope defines the rate; both are agreed once the brief is clear.

Capabilities

Proven twice over: at scale, and on my own account.

Each capability below carries two proofs: one from the listed-company career, one from eleven years running my own P&L. One continuous discipline.

Cash, working capital and liquidity

When cash visibility stops at month end.

At listed-company scale

Receivables cut from 65 to 40 days at Parexel; currency-level funding forecasts feeding GSK treasury's bond timing.

On my own account

Eleven years of cash conversion with no credit line: Far-East suppliers paid months before customers, seasonal peaks and a 70%+ collapse traded through on my own capital.

Treasury at GSK was supported, not run; lender mechanics are learned fast inside a mandate, with advisers.

Margin and profitable growth

When the margin moved and the why is missing.

At listed-company scale

A $13m improvement on plan at Parexel, the Early Phase unit's first positive operating income; a £2.5m programme and 11% EBITDA plan architected at Accord.

On my own account

Margin defended SKU by SKU, channel by channel, through repricing, landed-cost architecture and CAC discipline, to category leadership.

FP&A and forecasting

When the board has stopped trusting the number.

At listed-company scale

Forecast error taken from roughly 15% to 4% on automated profit-centre and cost-centre bridge reporting I built; separately, patient-based models for long-range planning and transaction valuations.

On my own account

Seasonal demand models sizing real inventory buys, now AI-era living models with sensitivity on every cycle, governed by five controls.

Control, governance and risk

When the licence to operate needs re-earning.

At listed-company scale

SOX across four roles; quarterly legal close reconciled to management numbers; SEC filings contribution; joint finance lead on one of the largest UK transfer-pricing defences of its time.

On my own account

Enterprise risk lived: currency, supplier concentration, platform dependency, and a five-control governance environment around every AI-assisted output.

International and multi-entity complexity

When the structure outgrew the reporting.

At listed-company scale

22 entities and 32 markets led at Accord in five months; EMEA consolidation into a Japanese parent at Shionogi; 17 countries converted from distributors to affiliates at Chiron.

On my own account

Own-account trading across the US, UK and EU, multi-currency, for eleven years.

Transactions, integration and exit readiness

When the deal is closer than the data room.

At listed-company scale

Sell-side of Hospira's US$2bn acquisition of Mayne Pharma: diligence and the shareholder case alongside the bank; two acquisitions carried from the inside; a 17-country integration programme.

On my own account

A business deliberately structured to run without my daily involvement: exit-ready by design.

Contact

Considering interim, fixed-term or permanent finance leadership?

Arrange a short introductory call, or send the brief and I will respond directly. London-based: on-site or hybrid across London and the UK, remote for EU and US mandates, and available for regular European or international travel where a role needs it.