Collections Management with Agentic AI
Automate large accounts AP portal tasks & scale SMB collections with Gen AI-personalized outreach & frictionless payments
Reduce past due by 20%
Increase collector productivity by 30%
Automate large accounts AP portal tasks & scale SMB collections with Gen AI-personalized outreach & frictionless payments
Reduce past due by 20%
Increase collector productivity by 30%
The challenge is the "manual login loop". HighRadius Agentic AI automates the logging into complex AP portals (e.g., Ariba, Coupa) to upload invoices and retrieve payment statuses
Large customers require compliance with their specific procurement systems. HighRadius agents act as digital bridge-builders, ensuring data is mapped correctly to the customer's portal requirements
By offloading portal data entry to agents, collectors are freed to focus on high-value relationship building and complex negotiation
Large account agents monitor payment statuses 24/7 to identify and flag disputes early, preventing them from becoming "stale"
Agents provide constant oversight of the payment lifecycle within third-party portals, alerting teams only when human intervention is needed
The challenge is "coverage". HighRadius uses GenAI agents to execute thousands of automated, personalized touches per day, achieving a scale impossible for human teams
Success depends on ease of use. HighRadius agents embed Smart Payment Links directly into outreach, allowing SMBs to pay instantly without logging into a system
The focus is on "Smart Dunning". Agents analyze the Optimal Time of Day to send communications, ensuring the highest probability of engagement and payment
GenAI agents craft personalized, empathetic emails that don't feel like "bots", maintaining the brand’s tone while operating at massive scale
The system uses predictive data to determine which SMBs need a nudge, automating the outreach before the account even becomes delinquent
Logs onto the Customer/AP Portals and submits the invoices along with required supporting documents
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Integrates with Customer/AP portals to retrieve and display the current invoice status within the Collections Software. These invoice statuses (Disputed, P2P) can be used to trigger workflows
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Uses the LiveCube App to take proactive measures to flag disputed invoices and identify fixable compliance by performing two-way/three-way Invoice–PO matching and root-cause trend analysis
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Auto-imports dispute status from Customer AP Portals, create dispute workflows in HighRadius & integrated systems (Salesforce, ServiceNow), and manages them by supplementing Collectors with attachments, notes, and reminders
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Enhances ERP master data with Collector-defined hierarchies, including virtual groups, and auto-rolls up all transactional activity to the parent level for easy parent/child navigation
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Uses GenAI to auto-generate or reuse Dunning templates, sends emails at optimal times via Smart Send, includes Smart Payment Links for online payments, offers a Simulate Mode to review and edit emails before bulk sending
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Facilitates payments by adding payment links automatically to dunning and personalized emails, sending payment links via SMS, and enabling PCI-compliant in-call payments via IVR
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Identifies customers from email address/content to label emails (collections/non-collections), assigns emails automatically to collectors, and summarizes threads, drafts tailored responses with attachments, and assists with tone adjustments or translation changes using FreedaGPT
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Creates personalized worklists for collections analysts by analyzing 20+ customer parameters, predicting 30-day delinquency, calculating a collections-risk score (out of 100), stack-ranking customers, building personalized worklists, and recommending actions based on ranking and collector availability
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Generates emails from prompts provided by the collector and pre-configured templates
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This agent facilitates payments by adding payment links automatically to dunning and personalized emails, sending payment links via SMS, and enabling PCI-compliant in-call payments via IVR
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Uses bots to auto-download PODs from 100+ Carrier portals and attach them to respective disputes
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This agent looks into the accounts that are significantly past their due date and are considered uncollectible, and are transferred by Collections Management to third-party collection agencies
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Delivers an AI summary of Customer Collection context, including Invoices, notes, promises, communications, tasks, & provides follow-up recommendations
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Identifies callers, handles inquiries via FreedaGPT or transfers to Collectors, displays contextual screens, provides real-time transcription of notes, and drafts post-call actions
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Value Creation
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Strategies to slash past-dues and accelerate recovery, your CFO office can’t afford to ignore.
Download The EbookB2B invoices are paid on credit with defined payment terms as per the Accounts Receivable Aging Report. The total value of unpaid invoices is referred to as Open Accounts Receivable in collections management. Payment terms are organized into aging buckets such as Current, Net 30, 60–90, and 90–120 days as part of effective accounts receivable in collections management.
Past-due invoices are prioritized based on aging status, invoice value, and customer risk profile within collections management strategies. The number of invoices and customers within each aging bucket is also considered to drive data-driven collections management decisions in accounts receivable.
Collections analysts are assigned customers based on region and customer segment (for example, NA vs EMEA or Large Accounts vs SMB). Accounts Receivable or Collections Managers oversee portfolio performance and monitor past-due coverage as part of end-to-end collections management.
Proactive reminders are sent before invoice due dates to prevent late payments and strengthen accounts receivable collections management outcomes. After due dates, structured follow-ups are conducted using emails, calls, and portal messages.
Collectors resolve invoicing errors, unapplied payments, delivery disputes, and deduction claims within accounts receivable. They collaborate with Billing, Cash Application, Logistics, and Deductions teams to validate issues and complete necessary corrections or adjustments.
Payment commitments are tracked using Promise-to-Pay dates in accounts receivable. Customers may raise disputes related to invoice amount, quality, or delivery. Once resolved, credits are applied to offset outstanding balances.
Collections performance is measured using KPIs such as: DSO (Days Sales Outstanding), ADP (Average Days to Pay), and CEI (Collection Efficiency Index) to evaluate collections management effectiveness within accounts receivable.
Collections teams aim to reduce DSO and past-due percentages while maintaining high collection efficiency. To achieve these outcomes, they track operational KPIs such as collector coverage of past-due accounts, increased use of automated emails, and higher customer call volumes.
Agentic AI continuously decides, acts, adapts, and learns without constant human input. In contrast, rule-based automation only follows predefined rules and lacks contextual reasoning across accounts receivable workflows.
HighRadius offers 15 Collections Agents orchestrated through an Agentic AI layer. These include 9 Automated Agents (≥90% automation) and 6 Assisted Agents (<90% automation with a human-in-the-loop).
AP Portal Invoice Upload and Tracking automate invoice submission and status monitoring across portals like Ariba and Coupa. Dispute Prevention proactively flags compliance gaps using PO matching and root-cause trend analysis.
Dispute Resolution automatically imports dispute status across systems. Proof of Delivery Download supports this by retrieving PODs from 100+ carrier portals and automatically attaching them to dispute cases for faster resolution.
Customer Hierarchy Maintenance enriches ERP data with parent-child hierarchies and virtual groups, enabling rollups of open and past-due balances across entities for smarter parent-level prioritization.
Dunning Emails automatically send AI-generated communications at optimal times, while InApp Payments enable PCI-compliant IVR, SMS, and email-based payment collection across accounts receivable portfolios.
Past Due Analysis summarizes customer context and recommends next actions. Worklist Prioritization builds on this by scoring customers using 20+ parameters and ranking them by predicted 30-day delinquency risk.
Yes. Automated Agents handle routine follow-ups, dunning emails, and worklist prioritization, allowing collectors to focus on high-value accounts and strategic conversations that drive faster cash collection.
