Camelia D.
Finance Transformation Leader | Independent Consultant | Pro
Professional Value
Camelia brings together two disciplines that rarely intersect: a decade of banking leadership as Head of Credit Management, spanning risk supervision and credit collections, alongside independent consulting work for Rio Tinto, where she led accounts receivable (AR) and order-to-cash (O2C) transformation and established a full collections operation on-site in New Delhi. This dual grounding in financial governance and hands-on operational delivery gives her a distinctive perspective on sustainable finance transformation.
Selected Clients
Executive Profile
With over 15 years of experience spanning banking and industrial finance, Camelia's core conviction is that most finance challenges stem not from people, but from processes that were never properly designed. Her practice centres on finance transformation and process improvement, AR/O2C optimisation and DSO reduction, working capital and cash flow improvement, and finance project leadership.
Her career spans senior roles at Crédit du Maroc as Head of Credit Management, Attijariwafa Bank in risk supervision, and Royal Bank of Canada in credit collections, building a rigorous foundation in financial governance and credit risk.
As an independent consultant with Rio Tinto, she led AR and O2C transformation across a portfolio exceeding USD 500 million, achieving a 20-day reduction in DSO and establishing a complete collections operation in New Delhi. This combination of banking discipline and operational execution defines her approach to every engagement. She is fluent in English, French, and Arabic.
Core Competencies
Finance, Financial Tools
Camelia is a Finance Transformation and Order-to-Cash specialist with over 16 years of experience across banking, mining, and independent consulting. She is the founder of a consulting firm, through which she delivers end-to-end AR transformation, collections governance, and working capital optimisation for complex, multi-entity organisations.