In 10 days: a DSO diagnostic and a map of the first moves forward. Anca Stephens, 20+ years leading credit risk, Order-to-Cash and working capital across three continents. Remote-first, worldwide.
I have spent 20+ years inside the credit and revenue cycles companies struggle to fix: building the frameworks, leading the teams, and delivering the cash results across EMEA, the Americas and Asia.
I've led credit organisations of up to 25 people, served as SAP Key User for credit risk, and built Shared Service Centre operations across India and Eastern Europe. I am a Certified FinTech AI Professional (CFAIP). The finance world raised me, the AI world sharpened me.
I work with growth-stage FinTechs, banks and corporates, remotely worldwide, on-site when it adds value.
“The queue is where organizations store their unmade decisions. I spent a career inside those queues. Then I built the way out.”
Ten days inside your order-to-cash reality: where the cash hides, which approvals never change an outcome, and a map of the first moves forward.
Senior credit leadership without the headcount. Governance, escalation paths, forward-looking reporting: installed, not presented.
Workflow redesign, not task automation. The decision rights move. That is where the 80% comes from.
Not a keynote about the future of finance. A session about what your ledger already knows and nobody has read. 45 to 90 minutes, and the room leaves with one decision it had been storing.
200 hours: one analyst, 25 accounts, one monthly review cycle. I ran that cycle for 20 years. 40 hours: the same cycle, after I rebuilt the Decision, not the tasks around it.
AI ranks the portfolio. A 360° risk view explains why, in CFO language. The execution layer acts: routes, escalates, proposes the payment plan. Built by a practitioner, not a vendor.
The last two of the four rates behind Return on Corrections. One steals in space, the other in time. Two Monday counts, no system needed.
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Singură: alone. Singura: the only one. For 30 years I thought I had to pick one. The rooms, the train, and the Few who answered by minute five.
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Count. Thank. Lend. Identity reframed as what your heart has compounded across everywhere you have ever been. An answer to a reader, still compounding.
Read more →“Most automation in credit & collections doesn't remove the queue. It renames it.”
Credit, O2C, collections, working capital, or something adjacent. I'll come back to you quickly.
