An end-to-end operational framework for assessing customer creditworthiness, managing trade risk, and executing systematic debt collection protocols.
Install & Download
1. ClawHub CLI
The fastest way to install a skill directly from the registry.
npx clawhub@latest install afrexai-credit-control
2. Manual Installation
Copy the skill folder to one of these locations
~/.openclaw/skills/ <project>/skills/ Priority: Workspace > Local > Bundled
3. Prompt Installation
Copy this prompt to OpenClaw to install it automatically.
Help me install afrexai-credit-control using Clawhub. If Clawhub is not installed, install it first (npm i -g clawhub).
Prefer to download?
Get the raw skill files in a ZIP archive.
What is Credit Control & Collections Framework?
The Credit Control & Collections Framework is a specialized operational asset designed for Openclaw Skills to transform how businesses handle trade credit. It provides a data-driven approach to risk, moving beyond guesswork to use weighted scoring matrices and mathematical formulas for setting credit limits. By integrating this into your AI agent workflows, you can automate the delicate balance between sales growth and financial security.
This framework bridges the gap between finance and operations, offering clear escalation sequences and communication templates. Whether you are dealing with a high-risk construction firm or a stable utility provider, the Openclaw Skills framework ensures your credit terms are optimized for cash flow and your collection efforts are professional, persistent, and legally sound.
Credit Control & Collections Framework Use Cases
- Automating the credit vetting process for new B2B customers based on multi-factor scoring.
- Standardizing the collections lifecycle to ensure no overdue invoice is overlooked.
- Training AI agents to handle common payment rebuttals and negotiate payment plans.
- Calculating the financial impact of early payment discounts versus the cost of capital.
- Monitoring Accounts Receivable health using industry-standard KPIs like DSO and CEI.
How Credit Control & Collections Framework Works
- Credit Assessment: Evaluate new customers using a 0-100 scoring matrix based on years in business, revenue, and credit agency data.
- Limit Calculation: Apply the Base Limit formula adjusted by industry multipliers and payment term factors.
- Tier Assignment: Categorize customers into Platinum through Bronze tiers to determine discount eligibility and review cycles.
- Proactive Monitoring: Track invoice aging using the automated reminder sequence starting 7 days before the due date.
- Escalation: Execute a systematic protocol for overdue accounts, moving from friendly reminders to credit holds and legal referrals.
- Performance Audit: Use the KPI dashboard and quarterly checklists to refine credit limits and bad debt provisions.
Credit Control & Collections Framework Setup
To deploy this framework within your Openclaw Skills environment, follow these steps:
Environment Setup: Ensure your AI agent has access to your accounting data or ERP exports.
Configuration:
# Initialize the credit control environment
openclaw install credit-control-framework
# Configure industry-specific multipliers
openclaw config set INDUSTRY_TYPE="Manufacturing"
- Data Integration: Import your current AR aging report into the framework's data schema to begin the automated escalation sequence.
Credit Control & Collections Framework Data Schema & Taxonomy
The framework organizes financial data into three primary taxonomies:
Scoring Model
| Component | Description |
|---|---|
| Factor Weights | Distribution of importance across revenue, history, and risk |
| Tier Mapping | Links scores (0-100) to specific payment terms and limits |
Escalation Metadata
- Timeline Anchors: Days relative to invoice due date (e.g., Day -7, Day +30).
- Channel Mapping: Selection of Email, Phone, Post, or System Hold based on severity.
Financial Metrics
- DSO: Days Sales Outstanding calculation.
- CEI: Collection Effectiveness Index tracking.
- Aging Buckets: Standardized intervals (1-30, 31-60, 61-90, 90+ days).
Credit Control & Collections Framework Advanced Features
- Industry Multipliers: Dynamically adjust credit limits based on sector risk profiles (e.g., 1.5x for Government vs 0.6x for Hospitality).
- Automated Early Pay Math: Built-in logic to determine if offering discounts like 2/10 Net 30 is financially viable.
- Dispute Resolution Hooks: Specific scripts for handling common rebuttals such as "the check is in the mail" or cash flow issues.
- Credit Insurance Integration: Guidelines for when to trigger whole turnover or key account coverage based on AR concentration.
- Multi-Agent Coordination: Allows sales agents to check credit status before processing new orders for accounts on hold.
SKILL.md
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