Freelancer profile translated to English.

Description

Freelance Credit Manager | Client Risk Anticipation | Credit AI | DSO | B2B Collections

With over 15 years of experience in B2B environments (Industry, Services, Construction), I support companies in anticipating client risk, securing cash flow, and sustainably improving financial performance.

My conviction is simple:

The best euro collected is the one that was never needed to be collected.

Credit Management is not just about managing bad debts. Its true role is to identify weak signals, anticipate defaults, and enable controlled growth.

I provide operational support or work on transformation projects across the entire Order-to-Cash cycle.

Expertise:

• Financial analysis and client solvency

• Credit Risk Management

• Definition and management of credit limits

• Credit insurance, guarantees, and sureties

• DSO reduction and working capital optimization

• Cash Collection and cash flow improvement

• Bad debt prevention

• Dispute management and reduction

• Credit policy and risk governance

• Reporting, KPIs, and performance management

• Order-to-Cash optimization

Operational Support:

Client portfolio management, credit arbitration, order holds/releases, collections, debt recovery, dispute management, and commercial team support.

Transformation & Performance:

Accounts receivable diagnosis, process optimization, outstanding balance securitization, DSO reduction, and cash flow improvement.

I have also developed a hybrid Credit Scoring tool combining financial, behavioral data, and field expertise to improve credit decision-making.

Results achieved:

✔ DSO reduced from 90 to 25 days

✔ Disputes reduced by 76%

✔ €3.9 million in cash released

✔ Portfolios of approximately €200 million secured

I help companies see risk before it costs them money.

Industry field of expertise

Languages

French
Native or bilingual

Workplace preferences

Remote only

Primarily works remotely

CreditTerrain
Freelance in Credit Management
CONSULTING AND AUDITS
May 2026 - Today (3 months)
Cergy, France
Supporting companies as a Credit Business Partner: solvency analysis, guarantee negotiation, and coverage optimization. Full management of collections: amicable and pre-litigation recovery strategy, payment promise tracking, and dispute resolution. Continuous monitoring and re-evaluation of client risk with identification of strong/weak signals. Management of holds/releases and coordination of action plans with the field. Optimization of internal processes (credit notes, cash application, dunning) and fostering a cash-oriented culture. Implementation and valorization of decision support tools (hybrid AI scoring + field expertise).
Credit Management Accounts Receivable 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 outstanding balances, guarantees, and credit insurance
• Risk prevention and collective procedures
• Contribution to the redesign of ERP credit rules
Heidelberg Materials France
Credit Analyst
February 2026 - June 2026 (4 months)
• Financial analysis and client rating
• Monitoring outstanding balances, guarantees, and credit insurance
• Risk prevention and collective procedures