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Do you have to have a masters/MBA/certification in order to be a CFO of a small/mid size company?

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No. But it is desirable.

Follow up question, does it matter for preparing for CFO responsibility and for marketability between MS Finance, MS Economics, or MBA?

I have an MBA and I’m the CEO. My executive team, some have them and most don’t. My CFO has an MBA from Harvard.

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