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Karine ArmandKA

Karine Armand

Supermalter

Expert Debt Collection & Litigation, Order-to-Cash

€750/day
10 projects
Paris, FR
15+ years

Average response time: 1 hour

Freelancer profile translated to English.
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About Karine

Senior consultant in commercial and operational strategy, I previously held similar positions in professional equipment leasing companies that require a strong focus on claims management!

After 6 years as CEO of a Fintech leasing startup, I know that time is often short to successfully complete certain projects that are nevertheless necessary or even strategic for our companies.

To stay on course, an external, expert, and benevolent eye is a valuable asset.

Here are the main missions on which I can support you and offer you a diagnosis and an action plan:
  • Debt collection: Management of collection and litigation actions - Recovery plans - Team training
  • Claims management: Optimization of the order-to-cash cycle, portfolio management
  • Credit Management: Customer credit risk analysis, Coface guarantee management
  • Strategic and operational management in an VSE/SME environment
  • Cash flow optimization: seeking financing for investments (rental, leasing, lease-back)

If you wish to be supported and advised, occasionally or on a longer mission, I would be delighted to assist you and offer you my expertise and flexibility!

Daily rate operational mission: €670/day
Daily rate mission with management: €800/day
  • English

    Fluent

  • German

    Conversational

  • French

    Native or bilingual

Can work on-site
Paris (up to 50km), Chartres (up to 50km), Dreux (up to 50km), Compiègne (up to 50km)

Experience

  • FIDUCIAL Banque
    Structuring and Development of the Leasing Activity
    BANKING AND INSURANCE
    February 2026 - Today (6 months)
    Paris, France
    Support the launch of the Leasing (Long-Term Rental) activity within the bank:
    - Structure processes
    - Deploy tools
    - Define commercial strategy
    - Identify Group synergies
    Project Management Leasing Long-Term Rental Business Development
  • MALT COMMUNITY
    Client Ops Team Leader
    May 2025 - January 2026 (8 months)
    Paris, France
    -- Responsible for billing and debt collection (public sector)
    Actively support the team in its daily billing and collection activities. Identify and implement process optimizations to improve efficiency and results.

    -- Management and Recruitment
    Manage ClientOps teams, handle recruitment, ensure consistency and stability within the team.

    -- Cross-functional Coordination
    Collaborate with key internal teams (sales, customer service, financing) and clients to streamline processes, manage client specificities (public sector), and improve the overall customer experience.

    -- Collaboration with Product Teams
    Participate in meetings with platform development teams. Foster product and feature improvements by integrating team needs.
    MyDSO Team Management Order-to-cash
  • Groupe Pochet
    Commercial Transformation - Sales Administration Performance
    LUXURY GOODS
    April 2024 - April 2025 (1 year)
    Clichy, France
    Objective: Improve commercial performance

    • Formalize and document existing processes (tender follow-up, pricing management, raw material indexing, sales administration, exchanges with factories...)
    • Lead debriefing workshops with teams
    • Identify operational and organizational improvement areas
    • Implement a short and medium-term action plan

Reviews

5.0

Out of 3 ratings

BenoîtB

Benoît

Team Lead - Client Ops - Malt Community SA

Several days project

-

Reviewed on 2/3/2026

Karine quickly and effectively grasped our processes and specificities. She didn't hesitate to evolve some of our practices, which allowed her and her team to exceed cash collection objectives. Her ability to align different teams (Sales, Financing, Tech...) led to improvements in our procedures and, ultimately, our operational performance. Karine rolled up her sleeves and readily took on numerous projects beyond her initial assignment. Beyond the numbers, her leadership, posture, and authority have evolved our approach to debt collection and how we address issues with clients. Thank you for the work accomplished in managing O2C and supporting the teams!
F

François

Groupe Pochet

Reviewed on 9/30/2022

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