Aging Analysis Workflow for Accounts Receivable
Automate AR aging analysis, segment delinquent accounts, and generate collection strategies
What You Can Do
You can automatically categorize outstanding invoices into aging buckets (Current, 30–60 days, 61–90 days, 90+ days), segment delinquent accounts by risk profile, and generate prioritized collection strategies tailored to each customer segment. The skill analyzes payment patterns, customer history, and exception triggers to identify high-risk accounts, forecast delinquency trends, and recommend resource allocation across your collection team.
Features
automatically categorize invoices by days past due (Current, 30–60, 61–90, 90+) with customizable thresholds
segment accounts into risk tiers (Low, Medium, High, Critical) based on aging profile, payment history, and repeat delinquency patterns
flag accounts requiring immediate action: sudden aging spikes, pattern breaks, or high-value delinquencies
create role-based collection playbooks for each risk tier with specific actions, communication templates, and escalation triggers
identify trends in customer payment behavior to predict future delinquency risk and forecast cash flow timing
quantify aging buckets for allowance calculations and document accounts eligible for write-off recommendations
compare aging reports period-over-period to measure collection effort impact and cash flow velocity changes
use aging patterns to identify systemic issues and support credit limit or payment term adjustments
Example Output
Aging Summary Report:
- Current (0–30 days): $2.4M (78% of total AR)
- 31–60 days: $485K (16%)
- 61–90 days: $195K (5%)
- 90+ days: $45K (1%)
High-Risk Flagged Accounts:
- ABC Corp: $28K, 105 days past due, 3 missed payment promises → Critical tier, escalate to senior collector
- XYZ Ltd: $12K, aged from current to 45 days in 2 weeks → Medium tier, investigate for systemic issues
Collection Strategy (Critical Tier):
- Day 1: Phone call + payment plan proposal
- Day 3: Formal demand letter with 10-day payment deadline
- Day 13: Credit hold + collection agency outreach discussion
Cash Flow Forecast Impact: Accelerated collections of Critical/High accounts could recover ~$73K within 30 days, improving DSO by 4 days.
What's Included
- SKILL.md instruction file with aging analysis methodology and decision trees:
- Aging bucket template with configurable thresholds and risk tier definitions:
- Collection strategy playbook: role-based action scripts for each risk segment
- Exception report checklist: flags for immediate action accounts and systemic issues
- Trend analysis framework: period-over-period comparison structure and KPI tracking
Who It's For
- Accounts Receivable Specialists — generating weekly/monthly aging reports and prioritizing collection efforts
- AR Managers — analyzing team performance, allocating resources, and setting collection targets
- Credit Analysts — assessing customer creditworthiness and supporting credit policy reviews
- CFOs & Controllers — forecasting cash flow, managing bad debt reserves, and tracking working capital metrics
- Collection Supervisors — creating action plans and escalation strategies for delinquent accounts
Best For
- Monthly and weekly aging report generation for internal and stakeholder review
- Segmenting and prioritizing accounts for collection team resource allocation
- Analyzing payment trends and predicting repeat delinquency risk
- Creating customized collection playbooks based on account risk profile
- Supporting bad debt reserve calculations and write-off recommendations
- Identifying systemic aging issues for credit policy and terms adjustments
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