How to Automate Accounts Receivable Collections Using an Autonomous AI Agent to Reduce DSO

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Workflow Name:

Autonomous AR Collections Agent
Purpose:

Autonomously prioritize overdue AR accounts using ML payment propensity scoring; draft and send personalized collection communications via email and CRM; monitor customer responses; evaluate and approve or escalate payment plan requests against credit policy; log all activity to CRM and ERP; and deliver DSO trend reporting to the CFO – without manual Collections Specialist involvement for standard-account collections
Benefit:

DSO reduced 8 to 15 days (IOFM AR automation benchmark); collections FTE cost reduced 40%; Collections Specialist capacity freed from routine reminder calls and emails and redeployed to complex dispute resolution and high-value account recovery; payment plan approval cycle from days to under 2 hours for standard accounts
Who Uses It:

Collections Manager; AR Director; CFO; VP of Finance
System Type:

AI Agent (autonomous; goal-oriented; adaptive – the agent prioritizes accounts using ML scoring; adapts its outreach approach per account risk profile; monitors responses; and adjusts its escalation path based on what each customer communicates)
On-Premise Supported:

Yes – eZintegrations connects to on-premises systems (SAP FI on-prem; Oracle AR on-prem; Oracle EBS; MSSQL; and others) via IPSec Tunnel. eZintegrations is a browser-based; cloud-hosted platform and does not require any on-premises installation.
Supported Protocols:

REST API (Salesforce CRM; payment portal); OData v2/v4 (SAP FI); Oracle REST API (Oracle AR); JDBC (Snowflake DW); Microsoft Graph API (M365 email monitoring and dispatch); SMTP; HTTPS; OAuth 2.0; IPSec Tunnel (on-premises SAP FI; Oracle AR; and ERP connectivity)
Industry:

Manufacturing; Distribution; Professional Services; Healthcare; Financial Services
Outcome:

DSO reduced 8 to 15 days; collections FTE cost reduced 40%; payment plan approval for standard accounts in under 2 hours vs. days; 100% of overdue accounts contacted on schedule vs. 60 to 70% with manual prioritization
Tags:

AI collections agent; autonomous AR collections; DSO reduction AI; accounts receivable automation AI; SAP AR collections agent; Oracle AR automation; Goldfinch AI finance; payment plan AI agent; collections prioritization ML; CRM collections automation; AR aging AI agent; DSO improvement automation
AI Credits Required:

Yes – the AI collections agent invokes multiple Goldfinch AI tools per collections cycle: Data Analysis (ML prioritization scoring and payment plan evaluation); API Tool Call (ERP AR extraction and CRM/ERP writes); Document Intelligence (customer response classification); Knowledge Base Vector Search (policy and template retrieval); Watcher Tools (response and payment event monitoring); and Integration Workflow as Tool (DSO reporting; ERP posting; and escalation sub-workflows). Credits consumed per account processed per collections cycle.
Goldfinch AI Tool(s) Used:

API Tool Call: Extracts the current AR aging report from SAP FI or Oracle AR via OData or REST API; creates CRM activity records in Salesforce for each outreach sent and response received; posts payment confirmations back to SAP FI or Oracle AR when payments are received; updates Salesforce contact records with collections status and payment plan agreement terms; and retrieves customer credit limit and payment history for Data Analysis credit policy evaluation, Data Analysis: Executes the ML collections prioritization model on the AR aging data – scoring each overdue account by payment propensity (historical payment behavior, industry sector risk, account tenure, prior late payment frequency) multiplied by exposure (total overdue amount, aging bucket, credit limit utilization) to produce a priority score and collections action recommendation per account; also evaluates customer payment plan requests against the configured credit policy to determine auto-approval eligibility or escalation requirement, Document Intelligence: Analyzes incoming customer email responses – extracting the customer’s stated intent (commitment to pay, dispute raised, payment plan request, financial hardship claim, incorrect invoice query), relevant amounts referenced, and proposed payment dates; also analyzes customer account notes and prior dispute history from the CRM to inform the personalized outreach tone and content, Integration Workflow as Tool: Calls pre-built eZintegrations integration sub-workflows – including the DSO trend report workflow (compiles account-level collection activity and calculates current DSO vs. prior period for CFO dashboard delivery), the payment posting workflow (posts confirmed payments to SAP FI or Oracle AR AR ledger), and the escalation routing workflow (routes high-value or complex cases to the Collections Manager with full account context), Knowledge Base Vector Search: Retrieves collections communication templates, credit policy rules for payment plan approval, customer-segment-specific escalation procedures, and legal compliance requirements (FDCPA-aligned communication rules for B2B collections, GDPR-compliant contact preferences) – matched to the account’s industry, geography, account tier, and aging bucket to ensure the correct communication approach and policy application per account, Watcher Tools: Monitors customer email responses and payment portal events – triggering the response classification workflow when a customer replies, detecting payment confirmation events from the payment portal (which triggers ERP AR posting), and monitoring SLA windows for collections follow-up cadence (e.g. if no response received within 5 business days, triggers next-step outreach per the collections playbook)

Category:

Table of Contents

Problem Before:

AR collections teams in manufacturing; distribution; and professional services organizations manage hundreds to thousands of overdue accounts manually – printing aging reports; deciding which accounts to call or email; writing personalized reminders; logging activity to CRM; tracking customer responses; processing payment plan requests; and chasing confirmation of receipts. IOFM (Institute of Finance and Management) benchmarks average manual collections processing cost at $12 to $16 per collection contact. According to Hackett Group; organizations with automated AR collections reduce DSO by 8 to 15 days vs. those relying on manual processes. The manual Collections Specialist spends 60 to 70% of their working time on routine outreach and CRM logging rather than complex dispute resolution or high-value account recovery – where their judgment actually matters.
Solution Overview:

The Autonomous AR Collections Agent from eZintegrations extracts the AR aging report from SAP FI or Oracle AR and runs the ML prioritization model via Goldfinch AI Data Analysis – scoring every overdue account by payment propensity multiplied by exposure to produce a ranked collections queue. The agent drafts personalized collection emails per account using Knowledge Base Vector Search for tone and template selection; sends via CRM or email; and monitors responses via Goldfinch AI Watcher Tools. For payment plan requests; Goldfinch AI Data Analysis evaluates against the credit policy: standard plans are auto-approved; high-value plans route to the Collections Manager. Payments received are posted to SAP FI or Oracle AR via Goldfinch AI Integration Workflow as Tool. The CFO receives a DSO trend report.
Business Impact:

DSO reduced 8 to 15 days (Hackett Group AR automation benchmark); 100% of prioritized accounts contacted on schedule vs. 60 to 70% with manual Collections Specialist capacity; payment plan approval cycle from 2 to 5 days (manual credit review) to under 2 hours for standard accounts; Collections Specialist capacity fully freed from routine outreach for complex dispute resolution and strategic customer engagement
Productivity Gain:

Collections Specialist time on routine outreach and CRM logging from 60 to 70% to under 10% of working hours; Collections Manager payment plan review volume from all plans to high-value and non-standard plans only; CFO DSO reporting from manual monthly pull to automated daily or weekly dashboard
Cost Savings:

Collections FTE cost reduced 40% (IOFM AR automation benchmark); manual collection contact cost from $12 to $16 per contact (IOFM) to under $2 per AI-executed contact; DSO reduction of 8 to 15 days on $50M AR portfolio: each day of DSO reduction at $50M portfolio = approximately $137,000 in freed working capital (at 10% cost of capital); 8 to 15-day reduction = $1.1M to $2.05M in working capital released
Security & Compliance:

HIPAA-eligible configuration (healthcare AR); GDPR-compliant collections communications (customer contact preferences respected; unsubscribe and contact restriction handling built-in); FDCPA-aligned B2B collections communication protocols (no prohibited contact practices for qualifying B2B debt); SOC Type II certified. Customer payment data processed in customer-isolated eZintegrations tenant. Credit policy and payment plan approval thresholds enforced via RBAC – the agent cannot approve payment plans above its configured authority without Collections Manager sign-off. All collections activity logged immutably to Salesforce CRM and the Goldfinch AI agent execution log for audit and compliance review.
Key Features:

Autonomous payment plan evaluation: For accounts requesting payment plans, Data Analysis evaluates the proposed terms against the configured credit policy (maximum plan duration, minimum payment percentage, credit score threshold, total exposure limit) – auto-approving standard plans and escalating non-standard requests to the Collections Manager with the evaluation context assembled Real-time response monitoring and escalation: Goldfinch AI Watcher Tools detects customer replies and payment events within minutes and classifies customer intent via Document Intelligence – commitment to pay, dispute, payment plan request, hardship claim – routing each to the appropriate next action without Collections Specialist review of routine responses, CRM-native and ERP-native operations: Every outreach sent, response received, payment plan agreed, and payment confirmed is written to Salesforce CRM as structured activity data and to SAP FI or Oracle AR as an AR posting event – the agent operates within your existing systems of record, not a parallel collections database, ML-scored collections prioritization: Data Analysis scores every overdue account using a payment propensity model (payment history, days late trend, industry risk, account tenure) multiplied by exposure (overdue amount, aging bucket, credit limit utilization) – ensuring the agent focuses on the accounts that are most likely to respond AND most financially impactful, not just the oldest invoices Personalized, policy-compliant outreach: Knowledge Base Vector Search retrieves the correct communication template, tone, and legal compliance requirements (FDCPA-aligned for B2B, GDPR-compliant contact preferences) matched to the account’s industry, geography, and aging tier – the agent does not send generic reminders; each communication reflects the account’s specific situation

Description

The AI collections agent from eZintegrations extracts the AR aging report, scores every overdue account with an ML payment propensity model via Goldfinch AI Data Analysis, sends personalized collection outreach, evaluates payment plan requests against credit policy, posts confirmed payments to SAP FI or Oracle AR, and delivers DSO trend reporting to the CFO – all without Collections Specialist involvement for standard accounts. eZintegrations is an enterprise automation platform covering iPaaS, AI Workflows, AI Agents, and Goldfinch AI agentic automation.

What Is an AI Collections Agent?

An AI collections agent is an AI Agent that takes the AR aging report as its input goal and autonomously executes the full collections cycle – scoring accounts by ML-modeled payment propensity and exposure, generating personalized outreach for each account, monitoring responses, processing payment plan requests against credit policy, posting payments to the ERP AR ledger, and delivering DSO analytics. It is adaptive (it adjusts outreach tone and escalation path per account risk and customer response), reactive (it triggers on customer replies and payment events in real time), and autonomous (it acts without Collections Specialist instruction per account for standard cases).

How Does an AI Collections Agent Autonomously Prioritize Overdue Accounts, Send Personalized Outreach, and Reduce DSO Without Manual Collections Specialist Involvement?

The AI collections agent extracts the AR aging data from SAP FI or Oracle AR via Goldfinch AI API Tool Call. Data Analysis runs the ML prioritization model – scoring each account by payment propensity multiplied by exposure. For the prioritized queue, Knowledge Base Vector Search retrieves the correct communication template per account profile, and the agent sends personalized outreach via CRM or email. Goldfinch AI Watcher Tools monitors responses. Document Intelligence classifies each customer reply. Standard payment plans are auto-approved by Data Analysis; high-value plans route to the Collections Manager. Payments post to ERP via Integration Workflow as Tool. The CFO receives a DSO trend report.

Hackett Group benchmarks AR automation at DSO reduction of 8 to 15 days. This AI collections agent delivers that improvement without AR platform migration.

Watch Demo

Video Title:

AI Collections Agent
Duration:

5 to 7 minutes

Outcome & Benefits

Throughput:

Up to 5,000 overdue account contacts processed per day at standard configuration; scales to 50,000+ per day at enterprise tier; supports high-volume year-end and quarter-end collections surges
Cost Reduction:

Collections FTE cost reduced 40% (IOFM benchmark); manual collection contact cost from $12 to $16 per contact (IOFM) to under $2 per AI-executed contact; DSO reduction of 8 to 15 days releases $1.1M to $2.05M in working capital per $50M AR portfolio (at 10% cost of capital)
Accuracy:

ML payment propensity model accuracy (AUC-ROC): 0.87 on held-out validation; payment plan policy compliance: 100% (all plans evaluated against configured credit policy before approval); collections contact schedule adherence: 100% of prioritized accounts contacted on the configured schedule (vs. 60 to 70% with manual Collections Specialist capacity)
Time Saved:

Collections Specialist routine outreach and logging from 60 to 70% to under 10% of working hours; payment plan approval from 2 to 5 days (manual credit review) to under 2 hours for standard accounts; DSO reporting from monthly manual pull to daily automated CFO dashboard

Performance Metrics

Metric Before (Manual/Batch) After (Real-Time Sync) Improvement
DSO Baseline 8 to 15 days reduction $1.1M to $2.05M working capital
Collections Contact Cost $12 to $16 per contact (IOFM) Under $2 per contact 85%+ reduction
Accounts Contacted on Schedule 60 to 70% of overdue 100% of prioritized queue Full coverage
Payment Plan Approval Cycle 2 to 5 days Under 2 hours (standard plans) 95%+ faster

Technical Details

Data Validation:

Three-stage validation per collections action: credit policy compliance – all payment plan evaluations are checked against the configured credit policy before approval (plan duration; minimum payment %; exposure limit; customer credit score threshold); pre-send communication check – all outreach communications are validated against the Knowledge Base compliance rules (FDCPA and GDPR requirements; customer contact restriction flags in Salesforce) before dispatch; pre-posting ERP validation – payment amount and account reference verified before any ERP AR posting. All payment plan approvals above the configured auto-approve threshold ($5,000 default; configurable) require Collections Manager confirmation before the agent communicates approval to the customer.
Real-Time Support:

Yes – the agent supports both scheduled batch execution (daily AR aging extraction and collections cycle; typical for standard B2B collections) and real-time event-triggered execution (real-time customer reply processing via Watcher Tools; real-time payment event detection from the payment portal). Customer replies are classified and acted on within 15 minutes of receipt; regardless of business hours. Payment events trigger immediate ERP AR posting and account status update. The agent operates 24/7 – a customer who submits a payment on Sunday is updated in ERP and CRM immediately.
Customization:

Configurable per deployment via eZintegrations no-code Agent Builder: ML scoring model parameters (payment propensity weights; exposure calculation method; industry risk tier assignments); collections outreach cadence (days between contacts per aging bucket and account tier); communication tone per account segment (large account vs. small account; long-standing vs. new relationship); payment plan auto-approval policy (maximum plan duration; minimum payment %; exposure ceiling; credit score threshold); escalation routing rules (Collections Manager; AR Director; legal); ERP target system (SAP FI; Oracle AR; or multi-ERP); and CRM field mapping. Knowledge Base collections policy; templates; and compliance rules managed by Collections Manager and AR Director in the Goldfinch AI editor – no IT involvement required.
Knowledge Retrieval:

Goldfinch AI Knowledge Base Vector Search (https://ezintegrations.ai/agentic-ai-platform/) retrieves collections communication templates; credit policy rules for payment plan evaluation; customer-segment escalation procedures; and legal compliance requirements (Weaviate https://weaviate.io/developers/weaviate or Pinecone https://docs.pinecone.io/ as vector store) – matched to the account’s industry; geography; account tier; and aging bucket. Collections Manager and AR Director maintain templates and policy in the Goldfinch AI knowledge base editor – updates take effect on the next collections cycle without any deployment cycle.
Agent Architecture:

Single autonomous agent with sequential collections cycle execution per account (prioritize; outreach; monitor; respond; resolve) plus a parallel monitoring layer via Watcher Tools (monitoring all active accounts simultaneously for payment events and customer replies). For large AR portfolios with thousands of concurrent overdue accounts; the agent runs in batched parallel mode – processing 100 to 500 accounts per execution cycle simultaneously. Hierarchical multi-agent mode available for enterprise organizations with multiple business units or legal entities requiring separate collections policies and ERP environments.
Task Orchestration:

Goldfinch AI orchestrates the collections cycle using an account-state machine – each overdue account transitions through defined states (New; Outreach Sent; Response Received; Payment Plan Evaluation; Escalated; Resolved; Closed) with the agent executing the appropriate action per state transition. Account state is persisted in Salesforce CRM. When a customer reply is received; Document Intelligence classifies the intent; and the agent transitions the account to the next appropriate state and executes the corresponding action (send payment plan confirmation; route dispute to AR dispute team; escalate to Collections Manager; or log hardship claim and adjust follow-up cadence).

AI Credits

AI Credits Required:

Yes – the AI collections agent invokes multiple Goldfinch AI tools per collections cycle: Data Analysis (ML prioritization scoring and payment plan evaluation); API Tool Call (ERP AR extraction and CRM/ERP writes); Document Intelligence (customer response classification); Knowledge Base Vector Search (policy and template retrieval); Watcher Tools (response and payment event monitoring); and Integration Workflow as Tool (DSO reporting; ERP posting; and escalation sub-workflows). Credits consumed per account processed per collections cycle.
LLM Steps Count:

5 to 7 Goldfinch AI tool invocations per account per collections cycle (Data Analysis ML scoring + API Tool Call ERP extraction + Knowledge Base template retrieval + API Tool Call CRM outreach write + Watcher Tools monitoring + Document Intelligence response classification + Integration Workflow as Tool for ERP posting and escalation)
Credit Consumption Model:

Per account per collections cycle (bundle of 5 to 7 tool invocations for initial outreach cycle); additional credits consumed when customer response is received (Document Intelligence classification + follow-on action); DSO report generation consumes credits once per reporting period
Estimated Credits per Task:

Initial outreach cycle per account (ML score + template retrieval + outreach sent): ~18 to 28 credits per account Response processing cycle (reply received; Document Intelligence classified; action executed): ~12 to 20 credits per reply Payment plan evaluation and auto-approval: ~8 to 15 credits per plan evaluation DSO trend report generation: ~20 to 35 credits per report (weekly or daily)
Monthly Credit Estimate (at Typical Volume):

200 overdue accounts per month; 2-touch average collections cycle: ~8,800 to 14,000 credits per month 1,000 accounts per month: ~44,000 to 70,000 credits per month 5,000 accounts per month (large enterprise AR): ~220,000 to 350,000 credits per month
Pricing Model:

Static Platform Fee + AI Credits. Platform fee covers unlimited non-LLM orchestration (AR aging report extraction schedule; ERP connection management; Salesforce connection management; SMTP dispatch; audit log writes). AI Credits consumed only by Goldfinch AI tool invocations and LLM reasoning cycles.
Credit Optimization Notes:

Run the ML prioritization scoring in batch for all accounts at the start of the daily collections cycle rather than per-account – reduces Data Analysis credits by 30 to 40% through batch inference efficiency vs. individual account scoring calls. Cache Knowledge Base template and policy retrievals per account segment for 48 hours – collections templates and credit policy change infrequently; and the same template applies to hundreds of accounts in the same aging bucket. Apply Document Intelligence response classification only to replies that are not auto-categorized as payment confirmations by the payment portal integration (portal-confirmed payments do not require NLP classification). Configure Watcher Tools at 4-hour intervals for accounts in the 30 to 60-day aging bucket (lower urgency) and continuous monitoring for accounts in the 90+ day bucket – reduces monitoring credits for lower-priority accounts.
Goldfinch AI Tool(s) Consuming Credits:

Data Analysis: ML payment propensity scoring per account + payment plan policy evaluation – credits per account scored and per plan evaluated API Tool Call: ERP AR extraction + Salesforce CRM outreach logging + ERP payment posting – credits per tool execution Document Intelligence: customer reply classification and intent extraction – credits per reply document Knowledge Base Vector Search: collections template and credit policy retrieval – credits per search query (one per account per cycle) Watcher Tools: active account response and payment event monitoring – credits per monitoring cycle per active account Integration Workflow as Tool: DSO report generation + ERP payment posting + escalation routing – credits per sub-task invocation

FAQ

1. What is the Autonomous AR Collections Agent?

The AI collections agent by eZintegrations extracts the AR aging report from SAP FI or Oracle AR, scores every overdue account with an ML payment propensity model via Goldfinch AI Data Analysis, drafts and sends personalized collection outreach via CRM, monitors customer responses with Watcher Tools, evaluates payment plan requests against credit policy, auto-approves standard plans, escalates high-value plans to the Collections Manager, posts confirmed payments to ERP, and delivers a DSO trend report to the CFO. IOFM benchmarks collections FTE cost reduction at 40% and Hackett Group documents DSO reduction of 8 to 15 days from AR automation.

2. How does the agent handle task orchestration?

The AI collections agent uses an account-state machine — each overdue account transitions through defined states (New, Outreach Sent, Response Received, Payment Plan Evaluation, Escalated, Resolved, Closed) with the agent executing the appropriate action per state transition. Account state is persisted in Salesforce CRM. When a customer reply is received, Document Intelligence classifies the intent and the agent routes to the correct next action — payment plan confirmation, dispute routing, Collections Manager escalation, or hardship claim logging — without Collections Specialist involvement for standard responses.

3. What Goldfinch AI tools does the AI collections agent use?

Six native Goldfinch AI tools: Data Analysis (ML payment propensity scoring per account + payment plan credit policy evaluation), API Tool Call (SAP FI or Oracle AR extraction + Salesforce CRM activity logging + ERP payment posting), Document Intelligence (customer reply intent classification), Knowledge Base Vector Search (collections template and credit policy retrieval matched to account tier and aging bucket), Watcher Tools (customer reply and payment event monitoring), and Integration Workflow as Tool (DSO report generation, ERP AR payment posting, and Collections Manager escalation sub-workflows). Goldfinch AI is self-service extensible — your AR team adds credit bureau scoring APIs, payment gateway integrations, or dispute management system connections without coding.

4. Can the AI collections agent be customized for my collections process?

Yes — all key parameters are configurable via the eZintegrations no-code Agent Builder: ML scoring model weights (payment propensity factors, exposure calculation), collections outreach cadence per aging bucket, communication tone per account segment, payment plan auto-approval policy (maximum duration, minimum payment %, exposure ceiling, credit score threshold), escalation routing rules, ERP target (SAP FI, Oracle AR, or multi-ERP), and CRM field mapping. Collections Manager and AR Director manage templates and policy in the Goldfinch AI knowledge base editor without IT involvement.

5. How is data validated before the agent approves payment plans or posts to ERP?

Three-stage validation: credit policy compliance — all payment plan evaluations checked against configured credit policy before approval; pre-send compliance check — all outreach verified against FDCPA and GDPR requirements and Salesforce contact restriction flags before dispatch; pre-posting ERP validation — payment amount and account reference verified before ERP AR posting. All payment plans above the configured auto-approve threshold ($5,000 default) require Collections Manager confirmation before the agent communicates approval to the customer.

6. Does the AI collections agent support real-time execution?

Yes — customer replies are classified and acted on within 15 minutes of receipt via Watcher Tools, 24/7. Payment events from the payment portal trigger immediate ERP AR posting and Salesforce status update. The daily AR aging extraction and collections cycle runs on the configured schedule. A customer who submits a payment on Sunday is posted in ERP and updated in Salesforce immediately, not on Monday morning.

7. What are the key benefits of the AI collections agent?

Key benefits include DSO reduced 8 to 15 days (Hackett Group), collections FTE cost reduced 40% (IOFM), collection contact cost from $12 to $16 to under $2 per contact, 100% of prioritized accounts contacted on schedule (vs. 60 to 70% manual), payment plan approval from 2 to 5 days to under 2 hours for standard accounts, $1.1M to $2.05M in working capital released per $50M AR portfolio from DSO reduction, and Collections Specialist time on routine work from 60 to 70% to under 10% of working hours.

8. How does the AI collections agent compare to HighRadius or LangChain?

HighRadius and Billtrust provide AI-powered AR automation platforms but require full AR suite licensing, multi-month implementation, and additional connectors for SAP FI or Oracle AR integration. YayPay provides collections workflow automation but does not include ML-scored prioritization or autonomous payment plan evaluation. LangChain requires 3 to 6 months of development for ERP, CRM, and payment portal connectors. The AI collections agent ships 6 Goldfinch AI tools pre-connected to SAP FI, Oracle AR, Salesforce, and payment portals and deploys in under 2 weeks without AR platform migration. Goldfinch AI is self-service extensible for additional integrations.

Case Study

Industry:

Manufacturing; Distribution; Professional Services; Healthcare; Financial Services
Outcome:

DSO reduced 8 to 15 days; collections FTE cost reduced 40%; payment plan approval for standard accounts in under 2 hours vs. days; 100% of overdue accounts contacted on schedule vs. 60 to 70% with manual prioritization
Problem:

An industrial distributor with $340M revenue managed AR in SAP with 6 specialists handling 2,400 accounts and ~580 overdue monthly. Most time (68%) was spent on routine tasks, limiting focus on complex cases. Contact adherence was low, DSO stood at 48.3 days vs a 39-day target, and payment plans took over 3 days. The CFO prioritized reducing DSO to improve working capital.
Solution:

Deployed eZintegrations AI collections agent in 9 days, integrating SAP FI, Salesforce, and the payment portal for AR data, activity tracking, and payment monitoring. Configured ML-based payment propensity using historical data to drive smarter outreach. Automated communication workflows, payment plan rules, and real-time monitoring with defined escalation paths. Enabled auto-approval for smaller plans and automated SAP posting with DSO reporting to the CFO.
ROI:

Working capital released from DSO reduction: 8.2 days x ($340M / 365) = $7.65M in freed working capital. At 8% cost of capital: $612,000 annual working capital cost savings. Collections contact cost reduction: 580 accounts/month x 2 average contacts x 12 months x ($14 average manual cost – $1.80 AI cost) = $170,000 annually. Collections Specialist capacity reallocation value (38% throughput increase): estimated $168,000 in additional recovered AR from previously uncontacted accounts in 90+ day bucket. Total year-1

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