Finance made simple.
Credit Risk · O2C · Working Capital

I don’t promise faster cash. I show you exactly what’s slowing it.

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.

FinTech globe, synergy between continents
One discipline · worldwide
Impact at a glance

Numbers first. Always.

0years in credit risk & O2C
0people in credit teams led
0manual effort retired, not renamed
0per year modelled, team of seven
0one monthly review cycle
About Anca

Two worlds. One discipline.

Anca Stephens

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.”

CFAIP Certified FinTech AI Professional · Code S Academy · 2026 · Score: 98.2% View certificate → · Verify
How I can help

Four ways to work with me

01

O2C & Credit Diagnostic

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.

Fixed fee
02

Fractional Credit / Revenue Lead

Senior credit leadership without the headcount. Governance, escalation paths, forward-looking reporting: installed, not presented.

Monthly retainer · remote
03

O2C / L2C Transformation

Workflow redesign, not task automation. The decision rights move. That is where the 80% comes from.

Project-based
04

Speaking & Lectures

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.

TalksThe Unmade Decisions · The Renamed Queue · AI Priced the Leak · Policies Drift · Counterparty Credit Risk Management · Collections · 20+ Years in Order-to-Cash · Between Finance and AI (Nexus)
Lectured for the Luxembourg Treasurers Association.
Keynote · In-house · Lecture · Fee on request
Nexus Collections

The Collection Prioritisation Engine

Collection Prioritisation Engine: AI-powered, data-driven, action-ready

Most collections automation renames the queue. This one deletes it.

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-poweredData-drivenAction-ready
Field Kit

Instruments you can use Monday morning. Free.

Field Notes

From my LinkedIn. Originals linked.

All Field Notes →

“Most automation in credit & collections doesn't remove the queue. It renames it.”
Anca Stephens · Field Notes

Tell me briefly what's going on.

Credit, O2C, collections, working capital, or something adjacent. I'll come back to you quickly.

CFAIP certificate, Anca Elena Stephens, Code S Academy, score 98.2%