Finance Associate

ZARAH
KAIGAMA

I help businesses make smarter, faster decisions through data-driven insight.

FP&A | Treasury | Financial Strategy | Corporate Finance

Translating complex financial data into actionable insights that improve financial performance, operational efficiency and strategic decision-making.

Work with me View my work

Years of experience

Industry environments

Professional recommendations

Core finance domains

Fintech | Commodities | Manufacturing

About

Finance that goes beyond the numbers.

Abstract 3D visualisation of rising financial performance

Performance view

Trend · improving

Hello, I’m Zarah Kaigama.

I’m a Finance, Treasury, and FP&A Professional with over seven years of experience supporting organizations across the Fintech, Commodities, and Manufacturing sectors.

Throughout my career, I’ve worked at the intersection of finance and strategy—leveraging financial analysis, treasury management, budgeting, forecasting, financial modelling, and performance reporting to support informed decision-making and sustainable business growth.

I enjoy translating complex financial data into actionable insights that improve operational efficiency, strengthen financial performance, and enable organizations to make confident strategic decisions.

As part of my commitment to continuous professional development, I’m currently pursuing further professional development.

Numbers tell the story. I help businesses understand what the story means — and what to do next.

Expertise

Core finance expertise

Corporate Finance

Supporting financial decisions with analytical and commercial insight.

Treasury & Liquidity Management

Managing liquidity, cash flow and banking relationships to support financial stability.

FP&A

Supporting planning, budgeting, forecasting and performance management.

Financial Modelling

Building financial models to support forecasting, analysis and strategic decisions.

Financial Reporting

Turning financial data into clear, decision-ready information.

Revenue & Profitability Analysis

Analysing performance drivers and identifying opportunities to improve financial outcomes.

Bank Relationship Management

Supporting effective banking relationships and financial operations.

Internal Controls

Supporting stronger financial processes, controls and accountability.

Services

How I can support your business

Layered financial reports with an upward performance arrow

Financial Reporting

Clear and structured reporting that improves financial visibility.

Financial Planning

Supporting businesses with forward-looking financial planning.

Strategic Planning

Connecting financial insights with broader business objectives.

Budgeting

Developing structured budgets to support financial discipline and decision-making.

Tax Preparation

Supporting accurate and organised tax preparation.

Tax Filing

Supporting tax compliance and filing processes.

Invoice Processing

Helping businesses maintain organised and efficient financial operations.

Small Business Tax

Practical tax support scaled to smaller businesses.

Need finance support?Work with me →

Tools & technology

Tools I work with

Finance & business tools

ExcelMicrosoft Excel

Microsoft PowerPoint

SAP

QuickBooks

Odoo

AI-enabled workflow

ChatGPT

Claude

Gemini

Combining financial expertise with modern digital and AI-enabled workflows.

Selected work

Finance in action

Credibility is demonstrated through the work.

PROJECT 01

Management accounts review & financial analysis

Client · Zee’s Stores

The challenge

Understanding financial performance and identifying key areas affecting profitability and financial stability.

My approach

Reviewed management accounts
Analysed financial performance
Examined cost structures
Identified key financial issues
Developed recommendations

₦4,039,709.04

Total revenue (Jan–Jul 2026)

₦6,292,956.96

Total operating expenses

(₦2,402,497.92)

Loss after tax

₦5,207,159.92

Total assets

₦8,407,538.86

Total liabilities

(₦3,200,378.94)

Equity (deficit)

From financial reporting to actionable business insight.

Case study

Dangote Cement Plc

A financial analysis and modelling project examining historical performance, profitability, leverage, liquidity and future financial outlook.

Financial modelling & performance analysis

Revenue (₦'bn)

993

FY21A

1,298

FY23A

2,957

FY25A

4,247

FY27E

5,801

FY30E

E = forecast estimate, not actual reported figures.

Revenue

₦993bn → ₦2.96tn

FY21A → FY25A · ~₦5.80tn by FY30E

EBITDA margin

54.6% → 46.6% → 53.5%E

FY21A · FY25A · FY30E

Net debt / EBITDA

2.47x → 0.46x

FY24A → FY25A · projected net cash by FY28E

Analysis areas

Historical performance

FY2021–FY2025

Forecast outlook

FY2026–FY2030E

Revenue growth

31% CAGR FY21–FY25

Profitability & margins

Gross · EBITDA · Net

Leverage

Net debt / EBITDA

Liquidity

Current & quick ratio

ROE / ROA

Return profile

Financial forecasting

Five-year model

Metric	FY21A	FY23A	FY25A	FY27E	FY30E
Revenue (₦'bn)	993	1,298	2,957	4,247	5,801
Gross margin	65.2%	52.0%	60.4%	62.5%	64.0%
EBITDA margin	54.6%	34.7%	46.6%	50.1%	53.5%
Net profit margin	38.4%	37.8%	24.0%	31.5%	33.7%
Return on equity	26.1%	30.6%	30.4%	42.0%	39.0%
Return on assets	14.8%	23.7%	15.9%	22.8%	24.2%
Net debt / EBITDA	0.35x	1.11x	0.46x	0.17x	(0.36x)

A = actual reported figures. E = forecast estimates from the model, not reported results.

Turning historical financial data into a forward-looking view of business performance.

View project →

Tax & financial operations

Tax preparation & financial compliance

Objective

[Project objective to be added once confirmed]

My role

Reviewed relevant financial information
Analysed applicable figures
Prepared required documentation
Supported the tax preparation and filing process

Outcome

[Verified outcome to be added once confirmed]

Client testimonial

What clients say

“Thank you so much, Zarah! I truly appreciate your support with my annual tax filing and the credit I received as a result.

I also really value the detailed monthly financial reports you prepared. They gave me much better visibility into my finances and made it easier to understand where my money was going.

Your attention to detail and professionalism made the entire process so much easier. Highly recommend your services!”

Ihuoma Okeke

Client · Tax filing & monthly reporting

Professional recommendations

Trusted by finance professionals

Bola Ojua, FCA

Strategic Finance Leader | Driving Growth & Operational Excellence

Work ethicOwnershipLearning agilityFinancial modellingCostingTreasury

“She took ownership of what she was given, saw it through properly, and did not need chasing — in a fast-moving commodities environment, that reliability is worth a great deal. That combination — diligence plus genuine curiosity — is why her range grew so quickly across financial modelling, costing and treasury work.”

Direct manager recommendation

Kayode Aderibigbe

ACA, MBA, FMVA | Accounting & Finance Professional

DedicationReliabilityProactivityWillingness to learnStrong work ethic

“I've been impressed by her dedication, willingness to learn, and strong work ethic. She is reliable, proactive, and always open to feedback.”

Nancy Olisakwe

Chief Operating Officer

Corporate financeAnalytical abilityFinancial judgementBusiness insightCollaborationResilience

“She has a remarkable ability to understand the bigger business picture, translate financial insights into practical decisions, and remain focused even when the work is demanding.”

Professional experience

Experience across multiple business environments

Fintech

Financial analysis, finance operations and strategic support.

Commodities

Treasury, financial modelling, costing and financial analysis.

Manufacturing

Financial reporting, planning and performance analysis.

Differentiator

Why Zarah?

Analytical

I investigate the numbers behind business performance.

Strategic

I connect financial information to wider business objectives.

Commercial

I consider how financial decisions affect growth, profitability and operations.

Detail-oriented

I approach financial work with accuracy, ownership and discipline.

Adaptable

I combine finance expertise with modern technology and AI-enabled workflows.

Decision-focused

I translate complex financial information into clear, actionable insight.

I don’t just report the numbers. I help make sense of them.

Social proof

Experience you can trust

Professional recommendations

Client testimonial

Years of finance experience

Sectors: Fintech · Commodities · Manufacturing

Professional experience

Ready to turn financial insight into strategic growth?

Whether you need support with financial planning, reporting, budgeting, analysis, treasury or strategic finance, let’s start a conversation.

Email Zarah →

zhkaigama@gmail.com

ZARAHKAIGAMA

Finance that goes beyond the numbers.

Core finance expertise

Corporate Finance

Treasury & Liquidity Management

FP&A

Financial Modelling

Financial Reporting

Revenue & Profitability Analysis

Bank Relationship Management

Internal Controls

How I can support your business

Financial Reporting

Financial Planning

Strategic Planning

Budgeting

Tax Preparation

Tax Filing

Invoice Processing

Small Business Tax

Tools I work with

Finance in action

Management accounts review & financial analysis

Dangote Cement Plc

Tax preparation & financial compliance

What clients say

Trusted by finance professionals

Bola Ojua, FCA

Kayode Aderibigbe

Nancy Olisakwe

Experience across multiple business environments

Fintech

Commodities

Manufacturing

Why Zarah?

Experience you can trust

Ready to turn financial insight into strategic growth?

ZARAH
KAIGAMA