Accounts Receivable Manager

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)

---

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.