Co-Founder & Chief Financial Officer; CFO

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Equity-Only Pre-Launch | Hybrid (Must Be Within 3 Hours of Dayton, OH)

About Black Frost

Black Frost is a next-generation home protection startup modernizing the home warranty model through transparency, technology, and operational control.

We’ve shared our business plan with multiple investors and a major global family office — and have been fortunate to be described as a “unicorn business in the making.”

We’re now preparing for our pre‑seed raise to fund our first markets and bring our vision to life.

We’re looking for a strategic Co‑Founder (CFO) with MGA, insurance, or warranty administration experience who can help shape the financial model, validate investor materials, and prepare the business for funding and launch.

You’ll work directly with the CEO and provide updates to our Advisory Board as you structure the financial model, CAC/LTV roadmap, and fundraising strategy — ensuring our model meets both investor and MGA standards.

This is an equity‑only, light‑work pre‑launch role (5–10 hrs/week) until our cap table opens and funding is secured, after which compensation will be refreshed and a full‑time CFO position will be available.

This is a hybrid position — ideal candidates will be located within three hours of Dayton, Ohio to allow for periodic in‑person strategy sessions and team collaboration.

• Refine and validate the Black Frost financial model — including CAC, LTV, and operational margins
• Develop and own the investor‑grade financial narrative for pre‑seed and seed decks
• Collaborate with our administrator partner to define claims, reserves, and revenue recognition logic
• Design the use‑of‑funds roadmap and capital deployment structure for launch
• Build a scalable financial reporting and compliance framework for investor and regulatory readiness
• Advise on banking, accounting, and systems setup (Quick Books, G‑Suite, etc.) pre‑funding
• Join the Founder & CEO in select investor or partner meetings as the financial voice of the company

• MBA (Finance, Strategy, or Accounting focus) or equivalent executive financial education
• Experience in insurance, MGA, warranty administration, insurtech, or regulated financial services
• Exposure to startup or early‑stage finance — fractional CFO, advisor, or builder mindset
• Strong understanding of claims/reserves, GAAP principles, and underwriting economics
• Skilled at building or refining bottom‑up financial models and dashboards
• Experienced in fundraising preparation, investor reporting, and scenario analysis
• Bonus: background in capital‑light or hybrid control models (TPA + MGA + carrier structure)

You’ll be helping architect the financial and operational foundation of a company poised to disrupt one of America’s least‑trusted industries.

Black Frost is more than a warranty — it’s a re‑engineered customer experience built on speed, transparency, and data.

If you understand the insurance side but crave startup energy, this is your chance to build something that fixes the system from the inside out — for a company already described by early investors as “a future unicorn.”

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