Accounts Receivable Manager

Automate accounts receivable: aging reports, prioritize collections, draft payment reminders, match payments, track DSO, and forecast bad debt exposure.

Security Scan

The skill's instructions align with its stated accounts-receivable purpose and it requests no unexpected permissions, but it is vague about how it will access customer financial data and the publisher/source is unknown — verify connectors, data handling, and limits before use.

Purpose & Capability

Name, description, README, and SKILL.md are consistent: all content focuses on AR aging, prioritization, reminders, cash application, DSO and bad-debt forecasting. The skill is instruction-only and does not request unrelated binaries, environment variables, or system paths.

Instruction Scope

The runtime instructions stay within AR workflows (reports, scoring, email templates, cash-application rules). However the SKILL.md is high-level and does not specify how the agent should access invoice/payment data or what connectors to use. That vagueness could lead an agent to ask for or attempt access to financial systems or files unless the user provides explicit constraints.

Install Mechanism

No install spec and no code files — this is instruction-only, so nothing is written to disk or downloaded by the skill itself.

Credentials

The skill declares no required credentials or env vars, which is proportionate to an instruction-only template. In practice, to run on real company data you will need connectors/credentials for accounting/ERP/CRM systems; those are not declared here and must be provisioned separately with least privilege.

Persistence & Privilege

always is false and there is no install or configuration writing. The skill does not request persistent system presence or attempt to modify other skills or agent-wide settings.

Assessment

This skill appears coherent for AR tasks, but it is a high-level, instruction-only template from an unknown source. Before installing or using it: 1) do not upload real financial data until you confirm where processing happens (local vs external) and how data is stored/retained; 2) provision only the minimal connectors/credentials the agent needs, using least privilege and rotation; 3) ensure the agent cannot auto-send emails or change accounting records without an explicit, auditable human approval step; 4) test on synthetic or redacted data first; 5) verify the publisher (the homepage links in the README point to afrexai-cto.github.io) and review any paid add-ons before providing payment or credentials. If you want stronger assurance, ask the publisher for a provenance statement or a code-backed implementation that declares required connectors and data flows.

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.