Alain Baarir

- Manage 7 accounting staff - Manage and supervise invoicing and collection for all programs - Implement regular reporting on invoicing and collections - Participate in the deployment of the following projects: HEC Access invoicing tool, deployment of the PCA module, e-invoicing, integration of HPLC customer accounting into the division

Main missions : - Order management & Invoicing of Telecom Operators FTTH / FTTE / FTTO networks (Optical Fiber) - Cash collections via Dunning e-mail process + Phoning Task Force - Management of a team of 10 people - Create customer accounts process (Credit Master Data / Customer Creditworthiness) - Monitoring Activity Management with KPI's - Project Management to improve Management Tools (Sage X3) ---} 1 Billion in sales / Aged Balance 43 Million of which 12 Million in overdue receivables / DSO 62 days.

* Raise awareness of cash management issues among all employees. * Implementation of B2C/B2B scoring process using KYC/compliance method. * Implementation of the anti-fraud process. * Implementation of the B2C/B2B recovery process up to pre-litigation. * Set up litigation process with bailiffs and lawyers. * Set up litigation and credit committees. * Implementation of performance indicators (KPI's). * Team management (participative). * Implementation of SAP Fi/SD (key user) in project management mode. --} 5 billion in outstanding assets / Cost of risk at 0.7 percent.

* Global Credit Management cockpit (SAP SD/FI & S4 for Hana). * Master Data. * Credit limit control & risk customers. * Setting up a credit and collection policy for overdues. * Management Team. * Microsoft Office. ---} 250 Million in sales / Aged balance 8 Million of which 0.4 Million in overdue receivables / DSO 52 days.

I am Responsible for the team of 15 credit analysts who decide with agility requests for funding for the universe Retail (Private individuals and SMEs for all of France). The team also manages the relations with contributors' network (approximately 300 selling points). Main missions: 1. Manager the whole team, under the authority of Credit & Risk Director. 2. Exercise a role of recourse); sign files in appeal and participate in the Credit Committee and accept a signing authority of €500k 3. Insure the balance between the rate of acceptance and the commercial support. 4. To contribute to the definition and to the implementation of the Risks Policy, and to insure the respect for the current rules. 5. Participating in many realizations projects to meet the growth objectives of profitability and banking regulation. 6. Participation in credit risk modeling and the setting up of the automatic decision tool (score). 7. Anti-money landering and terrorist financing (AML Officer). 8. KYC (know your customer) or « better know your client ». 9. Fraud detection & prevention. 10. Compliance Officer / AFM Officer. 11. Effective Beneficiaries / Politically Exposed Person (PPE). 12. Drafting of TRACFIN suspicious. 13. Participate to accompaniment to the digital transformation in the sector Automotive funding. 14. New accounting (IFRS9) or regulatory (Basel IV) requirements. --} 5 billion in outstanding assets / Cost of risk at 0.8 percent.

* Identify and control financial risk clients: payment terms, risks and guarantees, changes in financial, billing agreement in line with the group policy. * Oversee the management of credit control and administrative operations financing and leasing of equipment. * Participate in the preparation of monthly targets cash (cash flow), drive the achievement of these objectives with other team members. * Organize, set priorities and monitor the overall service in terms of budgets, human resources and material, activities, qualities of service, etc.., * Optimize the various indicators ---} 140 Million in sales / Aged balance 5 Million of which 0.2 Million in overdue receivables / DSO 45 days.

* Management of a team of 5 cash collectors * Establishing and monitoring tools for tracking and reporting outstanding customer * Permanent Council with regard to recovery * Breakdown of aging balances and setting priorities * Establishing and monitoring dashboard reporting and performance statistics to the hierarchy * Calculation of provisions for bad debts, reporting and accounting. ---} 450 Million in sales / Aged Balance 10 Million of which 0.8 Million in overdue receivables / DSO 68 days.

* Prevention of the risk customers: definition of politics of credit & collections Groups, determination of credit limits by customer, acceptance or no of the orders while using methods as the scoring or the D&B / BIL data business report analysis. * Management / organization of a cash collectors team (6 people). * Definition and set up of the debt recovery procedure. * Management of the commercial dispute in liaison with the external offices (recoveries agencies, law firm…). * Elaboration & follow by the reporting groups with analyze and commentaries. * Implemented dashboards of follow by the activity and of piloting tools of the performances of the team. * Interaction with the order admin, the sales team and treasury department (cash & sales forecast). * Team leader in the project of set up of Adonix (general accounting software) on the functions of account receivables and cash collections. --} 70 Million in sales / Aged balance 4 Million of which 0.8 Million in overdue receivables / DSO 78 days.

* Prevention of the risk customers: set up of politics of credit & collections Groups, determination of credit limits for the partners, dealers and wholesalers. * Elaboration and set up of the recovery procedure. * Supervision of the closing operations and establishment of the monthly reporting. * Optimisation of the payment anticipations of follow by the aging balance. * Management / organization of a cash collectors team (3 people). * Supervision of the invoicing group. * Financial arrangement of the funding files with the leasing partners. * Management of the punctual operations of Factoring (Windows Dressing). * Team leader in the project of set up of ORACLE (ERP) on the function “Credit Management”. * Team leader in the project of set up of GET PAID (specific debt recovery software). ---} 370 Million in sales / Aged Balance 10 Million of which 0.7 Million in overdue receivables / DSO 77 days.