Accounts Receivable Manager

Automate AR workflows: aging analysis, collection prioritization, payment follow-ups, cash application, and bad debt forecasting.

What It Does

1. AR Aging Report — Bucket outstanding invoices by 0-30, 31-60, 61-90, 90+ days with risk scoring
2. Collection Priority Queue — Rank overdue accounts by amount × days × risk for optimal follow-up order
3. Payment Reminder Drafts — Generate professional escalation emails (friendly → firm → final notice → collections)
4. Cash Application Matching — Match incoming payments to open invoices with variance handling
5. Bad Debt Forecasting — Predict write-offs using historical payment patterns and aging trends
6. DSO Tracking — Calculate Days Sales Outstanding with trend analysis and benchmarks by industry

How to Use

Tell your agent what you need:

• "Run an AR aging analysis for our open invoices"
• "Prioritize our collection queue — what should we chase first?"
• "Draft a 60-day overdue reminder for [client name]"
• "Our DSO is 47 days — how does that compare to SaaS benchmarks?"
• "Forecast bad debt exposure for Q1"

AR Aging Buckets

Bucket	Risk Level	Action
Current (0-30)	Low	Monitor
31-60 days	Medium	Friendly reminder
61-90 days	High	Escalation call + written notice
90+ days	Critical	Final demand → collections/write-off review

Collection Priority Formula

Priority Score = (Invoice Amount × 0.4) + (Days Overdue × 0.3) + (Customer Risk Score × 0.3)

Customer Risk Score (1-10) based on:

• Payment history (avg days to pay)
• Number of past-due invoices
• Credit limit utilization
• Industry default rates

Payment Reminder Escalation

Day 1 (Invoice Due)

Subject: Invoice #[NUM] — Payment Due Today Tone: Friendly, informational

Day 7 (1 Week Overdue)

Subject: Friendly Reminder — Invoice #[NUM] Past Due Tone: Warm but clear

Day 30 (1 Month Overdue)

Subject: Payment Required — Invoice #[NUM] Now 30 Days Past Due Tone: Professional, firm

Day 60 (2 Months Overdue)

Subject: Urgent — Invoice #[NUM] Significantly Overdue Tone: Serious, mention late fees / service impact

Day 90+ (Final Notice)

Subject: Final Notice — Invoice #[NUM] Requires Immediate Payment Tone: Formal, mention collections referral

DSO Benchmarks by Industry

Industry	Good DSO	Average DSO	Poor DSO
SaaS / Software	<30	30-45	>60
Professional Services	<35	35-55	>70
Manufacturing	<40	40-60	>75
Construction	<45	45-70	>90
Healthcare	<35	35-50	>65

Bad Debt Forecasting Model

Estimate write-off probability by aging bucket:

• Current: 1-2% default rate
• 31-60 days: 5-8%
• 61-90 days: 15-25%
• 90-120 days: 30-50%
• 120+ days: 50-80%

Apply to outstanding amounts for expected loss provision.

Cash Application Rules

1. Exact match — Payment amount matches one open invoice exactly
2. Combination match — Payment matches sum of multiple invoices
3. Short payment — Payment < invoice amount → flag for dispute/deduction review
4. Overpayment — Payment > invoice → apply to oldest open balance or issue credit
5. Unidentified — No match found → hold in suspense, research within 48 hours

Output Format

When generating AR reports, include:

• Total AR outstanding
• Aging distribution ($ and %)
• Top 10 overdue accounts by priority score
• DSO current vs. 3-month trend
• Estimated bad debt exposure
• Recommended actions (who to call, what to send)

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Take It Further

This skill handles AR analysis and workflows. For full financial operations automation:

• AI Agent Context Packs — Industry-specific agent configs for Fintech, Professional Services, SaaS, and more ($47 each)
• AI Revenue Leak Calculator — Find where your business is losing money to manual processes
• Agent Setup Wizard — Get your AI agent configured in minutes

Built by AfrexAI — operational AI for businesses that run on results, not hype.