Multilingual Marketing & Credit Control Specialist

SAHAR CHAIEB

Tunis, Tunisia ***********@*****.***

INTERNATIONAL COMPETENCIES

• Social media management and digital marketing

• Marketing and e-commerce

• Business development and growth strategies

• Customer relationship management and loyalty building

• Microsoft Office Suite and CRM tools (Microsoft Dynamics NAV)

• Intercultural communication and foreign languages

• Strong analytical and negotiation skills.

• Leadership and communication abilities.

• Proficiency in accounting software (e.g., SAP, Oracle, or QuickBooks).

• Excellent understanding of credit law and financial procedures.

• High attention to detail and problem-solving ability KEY ACHIEVEMENTS

• Reduced Average Days Sales Outstanding (DSO) by 18% within the first six months by redesigning collection workflows, implementing proactive follow-up protocols, and introducing segmented client risk tiers—improving cash flow and reducing exposure to late payments.

• Decreased Bad Debt Ratio by 22% through the development and enforcement of a robust credit risk assessment framework, including standardized scoring criteria, dynamic credit limit reviews, and cross-departmental alignment with Sales and Legal teams.

• Led a High-Performing Team of 6 Credit Specialists, achieving 95%+ monthly collection targets for 5 consecutive quarters by setting clear KPIs, delivering targeted training, and fostering a culture of accountability and collaboration.

• Streamlined Accounts Receivable Operations by digitizing invoice tracking and payment reconciliation processes, cutting manual processing time by 30% and enhancing data accuracy— while maintaining strong client relationships through transparent, solution-focused communication.

• Boosted online engagement by 30% through innovative digital marketing campaigns at Traveltodo

• Enhanced brand visibility by 40% through successful event marketing initiatives at Knauf Tunis

• Achieved a 15% increase in accessory sales at BMW Tunisia PROFESSIONAL EXPERIENCE

Smartbox group. Ireland (by FINOPTI Tunisia)

** Credit Control Manager / Accounts Receivable Manager ** October 01-2024 - Present Tasks:

Credit Management & Risk Assessment

• Evaluate the creditworthiness of new and existing clients. PROFESSIONAL PROFILE

Versatile professional with over 7 years of experience in marketing, after-sales service, digital project and Credit Control management. Proven expertise in customer relationship management, strategic planning, and cross-functional collaboration. Perfectly trilingual (English, French, Arabic) with a strong ability to adapt to multicultural environments. Seeking a dynamic role in Canada to contribute to an organization's success through innovative solutions.

• Set and review credit limits in line with company policy.

• Develop and implement credit risk assessment procedures.

• Approve or recommend credit terms and conditions. Debt Collection & Accounts Receivable

• Supervise and coordinate the collection of outstanding debts.

• Monitor customer accounts to ensure timely payments.

• Follow up on overdue invoices through calls, emails, or formal notices.

• Negotiate payment plans or settlements with clients when necessary. Reporting & Analysis

• Produce regular reports on debtor balances, aging analysis, and cash flow forecasts.

• Analyze collection performance and identify problem accounts.

• Provide management with key metrics (DSO, bad debt ratio, etc.).

• Recommend corrective actions to minimize credit risks. Team Management

• Lead, train, and support the credit control team.

• Set performance targets and monitor results.

Ensure team adherence to company policies and financial regulations. Policy & Process Improvement

• Develop and update the company’s credit control policies.

• Implement efficient systems for invoicing, payment tracking, and collections.

• Coordinate with sales, finance, and legal departments to ensure compliance.

• Participate in internal or external audits.

Customer Relationship Management

• Maintain professional relationships with clients while enforcing payment discipline.

• Resolve disputes and queries related to invoicing and payments.

• Promote a balance between customer satisfaction and company profitability.

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BMW TUNISIA - BEN JEMAA MOTOR, Tunis, Tunisia

**After-Sales Service Specialist** July 2021 - February 2023

• Managed customer relationships and ensured compliance with legal requirements and brand standards

• Implemented after-sales strategies including routine checks and special offers to strengthen loyalty

• Provided expert advice on spare parts and accessories (+15% in accessory sales)

• Optimized customer interactions through CRM tools (Microsoft Dynamics NAV, AIR, ETK) TRAVELTODO, Tunis, Tunisia

**Digital Project Manager** January 2019 - March 2020

• Led social media management, content creation, and digital marketing campaigns (+30% engagement)

• Managed a team of Community Managers and supervised digital budget allocation

• Developed and executed commercial strategies (+20% market share growth)

• Built strong relationships with key clients ensuring high satisfaction and loyalty KNAUF, Tunis, Tunisia

**Marketing and Communication Assistant** August 2016 - December 2018

• **Operational Marketing**: Advertising campaigns, competitive intelligence, customer satisfaction surveys

• **Event Marketing**: Organization of trade shows, seminars, and product training sessions (+40% visibility)

• **Digital Marketing**: Development of digital strategy, management of social media accounts

• **Sales Support**: Creation of marketing materials, prospecting new clients, maintaining relationships

EDUCATION

BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION (BBA)

**Tunis Business School, Tunis, Tunisia** January 2011 - June 2016 Major in International Accounting (IFRS) and minor in Business Analysis. Program delivered entirely in English, strengthening analytical and strategic skills. Specialized courses in financial reporting, market analysis, and organizational management.

ADDITIONAL INFORMATION

**Community Engagement**: Volunteered with local NGOs in Tunis, facilitating career development workshops for youth.

**Professional Certifications**: Microsoft Dynamics NAV (CRM) and Google Analytics.

**Personal Interests**: Photography, cultural exchange, and strategy games enhancing complex problem-solving abilities.

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