DELLIGHT CFO Financial Operations

Automation skill for DELLIGHT CFO Financial Operations.

Security Scan

The skill's code and instructions are coherent with a CFO/financial-ops purpose, request no credentials, and contain only a small local burn-rate script; nothing appears malicious or disproportionate.

Purpose & Capability

The name/description (CFO financial ops) align with the provided SKILL.md and the included burn_tracker.py. No unrelated environment variables, binaries, or config paths are requested. Minor mismatch: SKILL.md references scripts/revenue_model.py which is not included in the bundle (possibly an oversight).

Instruction Scope

Runtime instructions direct the agent to run local scripts (e.g., scripts/burn_tracker.py). The burn_tracker.py file only accepts JSON cost inputs or uses defaults and prints a JSON report; it does not read other system files, environment variables, or make network calls. The only instruction-scope oddity is the mention of a missing revenue_model.py in SKILL.md.

Install Mechanism

There is no install specification (instruction-only plus a small local script). This is the lowest-risk pattern; nothing is downloaded or written to disk by an installer.

Credentials

The skill requires no environment variables, no credentials, and does not request access to other services. The data it uses (default cost numbers and an optional JSON argument) is proportional to its stated purpose.

Persistence & Privilege

always is false and the skill does not request persistent presence or modify other skills or system settings. The skill is user-invocable and can be invoked autonomously by the agent (platform default), which is expected for a utility skill.

Assessment

This skill appears to do what it says: local CFO helpers and a small burn-rate script that only reads provided cost inputs. Before installing: (1) note the publisher/source is unknown and there is no homepage — verify provenance if this will run in a sensitive environment; (2) SKILL.md references scripts/revenue_model.py but that file is not present—ask the author or avoid relying on the missing script; (3) review any included scripts (like scripts/burn_tracker.py) yourself before running — they are small and readable here; (4) the skill includes internal financial numbers (capital, targets) in SKILL.md — consider whether you want that data exposed in your agent's skill list; (5) because the agent can invoke skills autonomously by default, be aware the agent may run this skill whenever financial topics arise — if you want to prevent autonomous runs, disable model invocation for this skill in your agent settings.

---

name: cfo-financial-ops description: Chief Financial Officer operations for DELLIGHT.AI. Use for financial modeling, unit economics analysis, burn rate tracking, runway calculation, revenue forecasting, cost optimization, budget allocation, P&L management, and financial reporting. Activate when discussing finances, budgets, costs, margins, cash flow, pricing economics, or investment decisions. Reports to CEO with dotted line to CRO.

CFO Financial Operations

Reporting Line

CFO reports to CEO (Arthur Dell), dotted line to CRO (Reign). Finance exists to enable revenue growth while maintaining runway.

Company Financial Context

• Entity: DELLIGHT.AI (DIFC AI License application submitted Jan 30)
• Capital: AED 1.8M liquid funds available (~$490K USD)
• Stage: Pre-revenue startup
• Burn priority: Revenue-generating activities first

Financial Framework

1. Unit Economics

For each product, maintain:

Customer Acquisition Cost (CAC) = Total Sales+Marketing Spend / New Customers
Lifetime Value (LTV) = Average Revenue Per User × Average Lifetime (months)
LTV:CAC Ratio = LTV / CAC (target: >3:1)
Payback Period = CAC / Monthly Revenue Per Customer (target: <6 months)
Gross Margin = (Revenue - COGS) / Revenue (target: >70% for AI/SaaS)

### 2. Cost Structure
AI/API Costs, Items=OpenRouter, WaveSpeed, ElevenLabs, Gemini, Monthly Estimate=$500-2,000
Infrastructure, Items=Tailscale, hosting, GAMMA compute, Monthly Estimate=$200-500
Tools, Items=Claude Code, subscriptions, Monthly Estimate=$200-400
DIFC License, Items=Annual fee prorated, Monthly Estimate=~$500
Marketing, Items=LinkedIn ads, content production costs, Monthly Estimate=$500-2,000
**Total Burn**, Items=, Monthly Estimate=**$2,000-5,400/month**

### 3. Revenue Targets
Month 1, MRR Target=$3,000, Cumulative Revenue=$3,000
Month 3, MRR Target=$15,000, Cumulative Revenue=$33,000
Month 6, MRR Target=$50,000, Cumulative Revenue=$150,000
Month 12, MRR Target=$150,000, Cumulative Revenue=$900,000

### 4. Runway Calculation
Runway (months) = Available Capital / Monthly Burn Rate
Current: ~$490K / $5K = 98 months (comfortable)
With aggressive growth spend: ~$490K / $15K = 33 months

### 5. Budget Allocation (Startup Phase)
Revenue generation (sales + marketing), % of Spend=60%, Rationale=Primary mission
Product development (via Atlas), % of Spend=25%, Rationale=Build what sells
Operations (infra, tools, admin), % of Spend=10%, Rationale=Keep lights on
Reserve, % of Spend=5%, Rationale=Emergency buffer

## Financial Scripts

### Burn Rate Tracker
Run `scripts/burn_tracker.py` to calculate current burn rate from cost inputs.

### Revenue Forecast
Run `scripts/revenue_model.py` to project revenue scenarios (conservative/base/aggressive).

## Cost Optimization Rules
1. **API costs**: Use local models (DeepSeek v3.2) for routine tasks, premium models only for revenue-impacting work
2. **Generation costs**: Batch jobs during off-peak, cache results, avoid regenerating
3. **Target**: <$15/day operational AI costs through composite model routing
4. **Review**: Weekly cost audit — kill any spend that isn't generating or enabling revenue

## Financial Reporting

### Monthly P&L
Track: Revenue, COGS (API/compute), Gross Profit, Operating Expenses, Net Income

### Cash Flow
Track: Starting balance, Revenue in, Expenses out, Ending balance

### Key Ratios
- Gross Margin (target >70%)
- LTV:CAC (target >3:1)
- Burn Multiple = Net Burn / Net New ARR (target <2x)