Credit risk, O2C and working capital:
notes from the field.
21 notes, archived here in the words they were published in. Every piece links to the original conversation.
The Leak Rate and the Decay Rate
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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Only One in the Room
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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Identity as Compounded Heartfulness
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 →The Reuse Rate
A captured correction is a paid lesson. Reuse is the only way it earns interest. The second of the four rates behind RoCor, measured Monday morning.
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Where Are You From?
Belonging is not an address. It is a portfolio, diversified across three continents and five languages. And Acasă was never an address either.
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The Day I Stopped Translating Myself
Five languages, and for years a sixth: the translated version of myself. Nobody pays for the translation. They pay for the original.
Read more →The Capture Rate
Of all the corrections your people made this month, how many exist anywhere on record? The first of the four rates behind RoCor.
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Gracias, El Salvador
El Salvador no fue una etapa profesional. Fue una experiencia fenomenal que me cambió por dentro. La estación que faltaba en mis manuales: la Relación.
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Return on Corrections (RoCor)
RoCor: the metric for what your organization learns and loses every day. Capture, reuse, leak, decay. A metric in development.
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Vendredi, 17h55. « C'est notre meilleur client ! »
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.
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It Renames the Queue
Automation cannot delete a decision it was never given. Eight O2C stations, one disguise: the queue survives by changing its name.
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The Organizational Silence of 26 Years Ago Is Today's Unmade Decision
Morrison and Milliken named the disease in 2000. The silence did not disappear. It settled into queues, and it compounds like interest.
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An Open Letter for the Two Worlds I Met: Finance and AI
AI spoke first, through a strategist. Finance answered, through a CFO. Two worlds, two languages, one diagnosis.
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When Sales and Finance Switch Places, Everything Changes
Same customer. Different language. What one month of swapped seats taught 45 people across three continents.
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Aligning Finance, IT, and Operations in 90 Days
Finance blamed IT. Operations blamed delivery. A 90-day playbook to one shared reality: disputes down 40%.
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AI vs. Credit Scorecards: Neither Is Universally Better
Scorecards are transparent but backward-looking. AI reads real-time signals but can drift. One overlay cut release time from a day to an hour.
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Moving O2C into a Shared Service Center Does Not Fix O2C
Cost does not heal a Broken Process. It relocates the pain. What a year of moving collections across the world taught me.
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Why I Didn't Make It Fully Autonomous
The most asked question about the Engine wasn't the €336K. It was: why not fully autonomous? Three categories of AI in collections, and where the hype ends.
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The Engine: Why I Built It
Three screens, half a day gone, decisions arriving late. Why I stopped writing frameworks and built the Engine instead.
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Most O2C Problems Are Leadership Problems in Disguise
Same invoices, same disputes, backward-looking reports: three signs your O2C needs a senior reset, not another tool.
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DSO Is an Average, and Averages Are Where Problems Hide
Nearly 4 in 5 companies report late payments. 1 in 4 invoices overdue. DSO is an average, and averages are where problems go to hide.
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