Freelancer profile translated to English.

Description

I am Salima Yassini, a Freelance Consultant specializing in Credit Management & Risk Management with 15 years of operational experience in industry and B2B.

I combine solid field expertise with a hybrid AI credit scoring tool that I developed, to help companies unlock cash and secure their growth.

What I offer:

1. Operational Reinforcement (commando mode)

• Quick and autonomous handling of all or part of the client portfolio

• Daily management of outstanding amounts, blockages/unblockages, and follow-up of late payments

• Collection reinforcement (follow-ups, negotiations, payment plans)

• Optimization of credit insurance coverage (Allianz, etc.)

• Streamlining internal processes (credit notes, cash application, disputes)

Ideal for: busy periods, maternity leave, absences, or temporary overload.

2. Transformation & Optimization Mode

• Comprehensive diagnosis of the client account

• Implementation of a hybrid AI scoring + field expertise

• Structural reduction of DSO

• Overhaul of credit/collection processes

• Fostering a cash culture among sales and finance teams

• Support for credit committees and negotiation of guarantees (sureties, perpetual advances, etc.)

Key achievements:

• DSO reduction from 90 to 25 days on multi-region portfolios

• 76% reduction in disputes

• Development of a hybrid AI credit scoring tool (90-day prediction)

Why work with me?

• Results-oriented approach and concrete cash impact

• Rare dual expertise: operational field + AI innovation

• Flexible interventions: remote (France & French-speaking countries) or on-site in Île-de-France

• First half-day diagnostic offered

Available immediately for reinforcement, optimization, or transformation missions.

Do not hesitate to contact me for an initial discussion.

Cash positively,

Salima Yassini

Freelance Consultant in Credit Management & Risk Management

Industry field of expertise

Languages

French
Native or bilingual

Workplace preferences

Can work on-site

Cergy (up to 50km)

Credit Terrain
Freelance Consultant in Credit Management
CONSULTING AND AUDITS
May 2026 - Today (1 month)
Cergy, France
Support companies as a Credit Business Partner: solvency analysis, guarantee negotiation, and coverage optimization. Complete management of collections: amicable and pre-litigation recovery strategy, follow-up of payment promises, and dispute resolution. Continuous monitoring and re-evaluation of client risk with identification of strong/weak signals. Management of blockages/unblockages and coordination of action plans with the field. Optimization of internal processes (credit notes, cash application, follow-ups) and fostering a cash culture. Implementation and valorization of decision support tools (hybrid AI scoring + field expertise).
Credit Management Client Account Optimization (DSO / Cash) Scoring Digital Transformation Debt Collection
Heidelberg Materials France
Credit Analyst
June 2022 - March 2023 (9 months)
• Financial analysis and client rating
• Monitoring of outstanding amounts, guarantees, and credit insurers
• Risk prevention and collective proceedings
• Contribution to the redesign of ERP credit rules
Heidelberg Materials France
Credit Analyst
February 2026 - Today (4 months)
• Financial analysis and client rating
• Monitoring of outstanding amounts, guarantees, and credit insurers
• Risk prevention and collective proceedings