Certified Management Accountant
What a CMA Brings to Your Business
Victor is a Certified Management Accountant (CMA), a credential from the Institute of Management Accountants that's less about preparing tax returns or auditing books and more about a specific skill: turning a business's numbers into decisions. Paired with his MBA, his Microsoft Certified: Power BI Data Analyst Associate certification, and his postgraduate training in data science and business analytics, it's an integral part of how he works with small business owners — helping you see what your data actually tell you, and use that to make better calls.
Here's what that looks like in practice.
Budgeting, Planning & Forecasting
A budget isn't a formality — it's how you decide, in advance, what you can afford to do. Victor helps small businesses build budgets and forecasts that are grounded in their own historical data and realistic assumptions, so plans hold up when the year doesn't go exactly as expected. This includes cash flow forecasting, which is often the single most useful planning tool for a small business.
Profitability & Cost Insight
You probably have a good instinct for which products, services, or customers are most profitable. Confirming that instinct — and catching what it might miss — means pulling cost and revenue data together in a way most owners simply don't have the time to do while running the business day to day. Victor digs into cost behavior and margin by product line, service, or customer segment to show you where you're making money, and where you might not be.
KPI Dashboards & Performance Reporting
Tracking the right handful of numbers beats drowning in all of them. Victor helps identify the metrics that matter most for your specific business and build dashboards (often in Power BI) so you can check in on performance at a glance, instead of digging through spreadsheets every time you have a question.
Data Readiness & Exploratory Analysis
This is often where an engagement starts, not ends. Before Victor can tell you what your data support, he needs to understand what's actually in them — how clean they are, where they come from, and what they can and can't answer. Victor helps small businesses get their data organized and trustworthy, and he is upfront that this exploratory step usually shapes what's possible before any specific analysis or recommendation is made.
Financial Statement Analysis
If you already have financial statements from a bookkeeper or accountant, Victor can help translate them into plain-language insight — trends, ratios, and red flags that matter for decision-making, not just compliance.
Investment & Major Decision Support
Considering a big purchase, a new hire, or an expansion? Victor helps structure the decision using capital budgeting tools — net present value (NPV), internal rate of return (IRR), payback period, and breakeven analysis — so it's grounded in a clear framework rather than a gut call alone.
A note on how Victor works
Data are rarely as clean or complete as we'd like, and Victor won't promise specific results before he's had a chance to actually look at yours. Most engagements start with an exploratory review of your data and systems, which tells us what's realistically achievable — and sometimes surfaces opportunities neither of us expected going in.