Copilot
AI Insights
Model v4.2 analysed 2.4M payment events and 42 risk signals per account
Insights Generated
148
Actions Applied
96
Cash Unlocked
₹5.8 Cr
Forecast Accuracy
91.4%
Payment Forecast
AI predicted vs expected inflow (₹ lakh)
Priority Actions
Highest impact first
Reduce credit limit for Ganpati Steel Traders
Payment delay trend up 34% over 90 days with 2 cheque bounces. Suggested limit ₹35L (from ₹60L).
Offer 2/10 net 45 to Vertex Polymers
Consistent early payer with 812 credit score. Early-payment discount could pull ₹1.4 Cr forward each quarter.
Escalate 14 accounts to legal pre-notice
Accounts crossed 90 DPD with no reminder response across 3 channels.
Insight Feed
Continuously refreshed as new data arrives
Seasonality detected in textiles
Buyers in textiles slip 11 days in Q3 every year. Pre-fund reminders 14 days earlier.
Concentration risk rising
Top 5 buyers now hold 38% of exposure, up from 29% six months ago.
Discount arbitrage opportunity
Offering 2/10 to 22 reliable buyers pulls ₹4.2 Cr forward at 3.1% effective cost.
Anomaly: order spike
Everest Plywood ordered 3.2x its monthly average right after a delayed payment.
Reminder fatigue
Response rate drops 34% after the 4th SMS. Switch these 18 accounts to calls.
Terms mismatch
41 buyers on Net 60 pay in 34 days — tighten terms to release ₹1.8 Cr of limit.