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 S/4 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.
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.
AI did not create the leak. It priced it. A metric for what your organization keeps from its own correction stream: capture, reuse, leak, decay.
Read more →
Automation cannot delete a decision it was never given. Eight O2C stations, one disguise: the queue survives by changing its name.
Read more →
Morrison and Milliken named the disease in 2000. The silence did not disappear. It settled into queues, and it compounds like interest.
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.
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 S/4 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.
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.
AI did not create the leak. It priced it. A metric for what your organization keeps from its own correction stream: capture, reuse, leak, decay.
Read more →
Un blocage de commande n'est pas une punition. C'est une décision de crédit qui attend. Chaque déblocage a un nom, une raison, une trace.
Read more →Automation cannot delete a decision it was never given. Eight O2C stations, one disguise: the queue survives by changing its name.
Read more →Morrison and Milliken named the disease in 2000. The silence did not disappear. It settled into queues, and it compounds like interest.
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.