You're seeing this page as if you were . The main menu is still yours, though. Exit from immersion
Karine ArmandKA

Karine Armand

Supermalter

Debt Collection & Litigation Expert, Order-to-Cash

€670/day
10 projects
Paris, FR
15+ years

Average response time: 1 hour

Freelancer profile translated to English.
Back to original language

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 receivables management!

After 6 years as CEO of a Fintech leasing startup, I know that time is often short to 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
  • Receivables management: Optimization of the order-to-cash cycle, portfolio management
  • Credit Management: Analysis of customer credit risk, management of Coface guarantees
  • Strategic and operational management in VSE/SME environments
  • Cash flow optimization: seeking financing for investments (rental, leasing, lease-back)

If you wish to be supported and advised, on a temporary or longer-term basis, I would be delighted to accompany 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

  • MALT COMMUNITY
    Client Ops Team Leader
    May 2025 - Today (1 year and 1 month)
    Paris, France
    -- Responsible for invoicing and debt collection (public sector)
    Actively support the team in its daily invoicing 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 improvement by integrating team needs.
    MyDSO Team Management Order-to-cash
  • Groupe Pochet
    Commercial Transformation - Sales Admin 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 feedback workshops with teams
    • Identify areas for operational and organizational improvement
    • Implement a short and medium-term action plan
  • Groupe Pochet
    Structuring and optimizing debt collection and the order-to-cash process
    LUXURY GOODS
    September 2022 - March 2024 (1 year and 7 months)
    Clichy, France
    Le Groupe Pochet specializes in manufacturing luxury packaging through multi-material expertise.

    The company wanted to standardize its collection practices across all its sites while reducing outstanding debts and optimizing its DSO.

    The mission comprised three parts:

    -- **Operational**:
    Reduction of outstanding debts through appropriate collection actions
    • Qualification and prioritization of collection actions for outstanding debts
    • Updating the customer database
    • Harmonization of payment terms and incoterms
    • Implementation of recovery plans and periodic actions
    • Management of Coface credit cover
    • Drafting of new procedures
    • Project management for the implementation of new processes
    • Transition to electronic invoicing in conjunction with the IT department

    -- **Organizational**:
    • Analysis of the Order-to-cash cycle
    • Identification of best practices
    • Implementation of the new multi-site organization targeted by customer
    • Recruitment and training

    -- **Reporting**:
    Development of reporting dashboards, KPIs, and collection effectiveness measures

    >> Results: Outstanding debts reduced tenfold in 15 months
    Debt Collection DSO WCR Management Order-to-cash Transition Management

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 targets. 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 took on many projects beyond her initial mission. 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

Recommendations

These freelancer profiles also match your criteria

AgathaA

Agatha Frydrych

Backend Java Software Engineer

4.7

(3)

2

BaptisteB

Baptiste Duhen

Fullstack developer

4.6

(4)

5

AmedA

Amed Hamou

Senior Lead Developer

4

(2)

7

AudreyA

Audrey Champion

Web developer

4.3

(3)

4

Skill set

Categories