Karen Stephen

Karen Stephen is a Fractional CFO who works remotely with CEOs to help them achieve sustainable growth and positive cash flow. Fluent in finance and business KPIs, she specialises in translating what's holding a company back into terms any founder can act on — a skill her clients consistently value. Based in London, she works primarily with ecommerce and digital subscription businesses, though her training applies across industries. Her approach centres on identifying the issues restricting cash flow, demonstrating methods to optimise it, agreeing the key performance indicators worth monitoring, and providing management reporting that gives leaders clear visibility of their numbers. She gravitates toward driven founders who are motivated to learn about their finances, open to advice, and supportive of remote work culture. A Chartered Accountant with over 11 years of experience and a first-class degree in Accounting, Karen is best known for making financial information genuinely understandable. She speaks French, Spanish, and — as she puts it — finance, drawing on a lifelong talent for languages to translate clients' financials into their own language.