⚡ AR Transformation Roadmap

GDC Finance · Accounts Receivable · Updated April 2026 · 9-Phase Programme
1

Gantt Chart — Feb 2026 → Sep 2026

Agent builds are strictly sequential: AR Matching → Proactive Outreach → Conversation History → Dashboard. Each must be live before the next begins.
Complete
In Progress
Agent Build (Active)
Agent Build (Queued)
Dashboard
Headcount Review
Integration
Workstream & Stakeholders Feb Mar Apr ◀ NOW May Jun Jul Aug Sep
▸ FOUNDATIONS
1. AR Weekly Reporting ✓ Launched ▬ Live
2. Weekly Review Cycle ✓ Kicked Off
3. Action Workstreams ✓ Live
▸ PROCESS REDESIGN
4. Escalation Process Redesign ⚙ Starting ⚙ Sign-off
▸ AI AGENT BUILDS (Sequential)
5. AR Matching Agent 🤖 🔨 Spec/Dev 🔨 Build 🟠 Test + Go-Live
6. Proactive Outreach Agent 🤖 ⏳ Build ⏳ Go-Live
7. Conversation History Agent 🤖 ⏳ Build ⏳ Go-Live
▸ PROCESS IMPROVEMENTS
Adjustment Process Review ⚙ Review ⚙ Redesign ▬ Embedded
▸ NETSUITE / SUB-LEDGER
AR Sub-Ledger (NetSuite) 🔨 Go-Live ⚙ Embed ▬ Live
▸ REPORTING & INTEGRATION
8. AR Dashboard 🤖 Build + Launch
9. Full AR Integration Onboard Complete
👥 Headcount Review Eligible from Jul Full Review Implement
2

Phase Overview & Stakeholder Ownership

Phase 1
AR Weekly Reporting
✓ Complete
Weekly AR report framework launched. Baseline visibility established across all operator balances and invoice status.
📅 Feb 2026
CFO CEO AR Lead
Phase 2
Weekly Review Cycle
✓ Complete
Structured weekly review meetings focused on action areas, accountability, and progress tracking.
📅 Apr 2026
CFO AR Lead
Phase 3
Action Workstreams
✓ Complete
Defined workstreams on key action areas running in parallel with the weekly review cycle.
📅 Apr 2026
CFO AR Lead
Phase 4 — Parallel
Escalation Process Redesign
⚙ In Progress
Redefine escalation procedures within AR team. Agreed matrix is prerequisite for Proactive Outreach Agent launch.
📅 Apr – May 2026
CFO Commercial AR Lead
Phase 5 — Agent Build #1
AR Matching Agent
🔨 In Build
Sent to AI Agent tech group. Overnight payment-to-invoice matching. Reduces unapplied payments. Real-time operator balances.
📅 May – Jun 2026 (~6 wks)
⚠ Sequential — must complete before Phase 6
CFO AR Lead
Phase 8 — Agent Build #4
AR Dashboard
▷ Future
Unified dashboard: agent outputs, operator balances, unapplied payments, outreach activity, reporting — all in real time.
📅 Aug 2026 (~2–3 wks)
⚠ Sequential — requires Phases 5, 6, 7
CFO CEO Commercial AR Lead
Phase 9
Full AR Integration
▷ Future
Onboard all remaining AR entities — Spotlight, OJ, Roto — into the automated framework.
📅 Aug – Sep 2026
CFO CEO Commercial AR Lead
Parallel Workstream
Adjustment Process Review
⚙ Starting May
Review and redesign the AR adjustment process — covering credit notes, manual adjustments, and approval flows. Ensures adjustments are auditable and consistent before agent automation lands.
📅 May – Jun 2026 (review & redesign) → Jul 2026 (embedded)
▸ Runs in parallel — not dependent on agent builds
CFO AR Lead
Parallel Workstream
AR Sub-Ledger — NetSuite
🔨 Go-Live Jun
AR sub-ledger live in NetSuite from June. Provides the foundational data layer for the AR Matching Agent and Proactive Outreach Agent — clean open invoice data direct from the system of record.
📅 Jun 2026 (go-live) → Jul (embed) → Aug+ (fully live)
▸ Critical enabler for Phase 5 (Matching Agent) accuracy
CFO AR Lead
3

AR Targets & KPIs

👥 Headcount Review Trigger — Review becomes viable once Proactive Outreach Agent is live (Jul 2026). Full review recommended August 2026 ahead of Q4 planning. Expected outcome: 20–30% capacity reallocation from manual processing to strategic AR work. Sign-off: CFO + CEO.
Metric Baseline Target Deadline Trigger / Notes Stakeholder
Unapplied Payments Current backlog ↓ 60% reduction End Aug 2026
90d post Phase 5
AR Matching Agent overnight runs clear backlog systematically CFO
Operator Balance Accuracy 1–3 day lag (manual) Real-time / same-day Jun 2026
1 week post Phase 5
Overnight matching run delivers same-day balance view CFO
Invoice Reminder Coverage 0% automated 100% coverage Jul 2026
2 wks post Phase 6
All invoice + self-invoice customers on −7d / 0d / +7d cadence Commercial
Escalation SLA Compliance Ad-hoc / inconsistent >90% on SLA End May 2026
4 wks post Phase 4
New escalation matrix adopted; tracked in weekly review CFO Commercial
Weekly Report Automation Manual (~X hrs/week) 100% automated Aug 2026
Post Phase 7
Conversation History Agent produces report with zero manual effort CFO CEO
Days Sales Outstanding (DSO) Baseline: measure Q2 ↓ 10–15% reduction Sep 2026 Proactive outreach + faster matching drives shorter collection cycle CFO CEO
Headcount Capacity ~80% manual processing 20–30% reallocation Q4 2026 Post full agent suite + headcount review CFO CEO
4

Best Practice AR Gap Analysis

Assessment: GDC's roadmap covers the core automation arc well. The gaps below are areas where world-class AR functions go beyond what's currently planned — flagged for consideration as the programme matures.
Best Practice Area Current State / Plan Status Priority
Credit Risk Scoring
Proactively assess operator credit risk before invoicing; set credit limits per customer
Not referenced in roadmap. Current approach appears reactive — chase after non-payment rather than pre-qualify.
✦ Best practice: Dynamic credit scoring model per operator, automated credit limit alerts, pre-invoice risk flag
→ Could be layered into Phase 6 (Outreach Agent) or Phase 8 (Dashboard)
⚠ GAP
HIGH
CFO / Commercial
Dispute Management Workflow
Structured process for logging, tracking, and resolving invoice disputes with SLA
Policy already in place. ✅ Key action: ensure the existing dispute management policy is wired into the Proactive Outreach Agent (Phase 6) logic so disputes are automatically flagged and excluded from standard reminder cadences.
✦ Next step: validate dispute reason codes and SLA tracking are visible in Phase 8 Dashboard
→ Confirm policy feeds into Phase 6 agent design and Phase 8 reporting
✅ IN PLACE
LOW
AR Lead
Cash Application Accuracy (SLA)
Target >98% auto-match rate with exception handling for residual items
AR Matching Agent (Phase 5) will automate matching — but no explicit accuracy SLA or exception-handling process is defined yet for unmatched items post-agent.
✦ Best practice: >98% auto-match SLA tracked daily; clear exception queue owned by AR; residual items resolved within 24h
→ Define match-rate SLA as part of Phase 5 spec before build completes
⚡ PARTIAL
HIGH
CFO / AR Lead
DSO Measurement & Benchmarking
DSO tracked, compared to industry benchmark, used as primary KPI
DSO reduction is listed as a target (Phase 5+6) but no formal baseline measurement or benchmarking process is in place yet. Without a Q2 baseline, the 10–15% target is hard to validate.
✦ Best practice: DSO calculated weekly, segmented by entity/region, benchmarked vs iGaming peers; included in CFO pack
→ Establish DSO baseline immediately — can run alongside current weekly reporting (Phase 1)
⚡ PARTIAL
HIGH
CFO
Ageing Bucket Reporting & Action
0–30 / 31–60 / 61–90 / 90+ day buckets with owner-assigned actions per bucket
Ageing bucket logic already in place. ✅ Key action: ensure the existing bucket rules are the foundation for the Proactive Outreach Agent (Phase 6) — agent should trigger based on bucket thresholds, not build new logic from scratch.
✦ Next step: share ageing bucket definitions with AI Agent tech group as input to Phase 6 spec
→ Re-use existing logic; don't rebuild. Feed into Phase 6 agent design + Phase 8 Dashboard visualisation
✅ IN PLACE
LOW
AR Lead
Self-Service Customer Portal
Operators can view invoices, payment history, raise disputes online without emailing AR
Not referenced. Currently operators likely rely on email/phone for all AR queries. This creates AR team load and slows dispute resolution.
✦ Best practice: Operator-facing portal with invoice download, balance view, payment upload, dispute submission
→ Medium-term consideration post Phase 8 (Dashboard). Not critical for current roadmap phase but worth flagging for Q4 2026+
⚠ GAP
MEDIUM
Commercial / CEO
Bad Debt Provision & Write-off Policy
Clear policy: when to provision, when to write off, approval authority levels
Policy already in place. ✅ Key action: as AR Matching Agent (Phase 5) surfaces residual unmatched balances, ensure the existing write-off policy is applied systematically rather than ad-hoc — and that the Phase 8 Dashboard surfaces items that have hit write-off thresholds for CFO/CEO approval.
✦ Next step: confirm policy thresholds are inputs to Phase 8 Dashboard exception flags
→ Ensure policy connects to agent outputs; don't let residuals accumulate post-Phase 5
✅ IN PLACE
LOW
CFO
Intercompany AR Reconciliation
Automated matching and elimination of intercompany balances on a defined cycle
The roadmap focuses on third-party (operator) AR. GDC is multi-entity (Spotlight/OJ/Roto) — intercompany AR reconciliation is typically a significant effort and a source of reporting errors.
✦ Best practice: Automated intercompany matching monthly; signed off by CFO before close; differences escalated within 24h
→ Should be scoped as part of Phase 9 (Full AR Integration) across all entities
⚠ GAP
MEDIUM
CFO
Revenue Recognition Controls
AR processes aligned with rev-rec rules; invoice timing matches recognised revenue
Automation of outreach/matching is strong — but if invoice timing or self-invoicing processes are not aligned with revenue recognition policy, automation could mask timing mismatches.
✦ Best practice: AR system validates invoice dates against rev-rec cutoffs; sub-ledger reconciles to GL monthly
→ Flag for Finance/Audit review during Phase 9 — especially for self-invoice customers
⚡ PARTIAL
MEDIUM
CFO
Collections Performance Reporting
Individual collector KPIs: contact rate, promise-to-pay kept %, collection rate per agent
Weekly review cycle tracks team-level performance, but no individual AR team member KPIs (contact rate, promise-to-pay adherence, collection rate per rep) are referenced.
✦ Best practice: Individual scorecards updated weekly; feed into headcount review and capacity planning
→ Include in Phase 8 Dashboard build — easy add-on once Phase 7 conversation history is live
⚡ PARTIAL
LOW
AR Lead
5

Gap Summary & Recommended Actions

Gap Recommended Action When Owner
DSO Baseline Missing High Establish DSO measurement now — add to Phase 1 weekly reporting immediately. Cannot validate targets without a baseline. Now (Apr) CFO
Cash Application SLA Undefined High Define >98% auto-match SLA and exception queue process as part of Phase 5 spec before build completes. May 2026 CFO AR Lead
Dispute Management ✅ In Place Policy exists. Action: wire dispute flags into Phase 6 Outreach Agent so disputed invoices are automatically excluded from standard reminder cadences. Jun 2026 AR Lead
Credit Risk Scoring Missing High Introduce operator credit scoring. Can be a lightweight model initially (payment history, overdue frequency) — layer into Phase 6 or Phase 8 Dashboard. Jun–Jul 2026 CFO Commercial
Ageing Ladder Logic ✅ In Place Policy exists. Action: share existing bucket definitions with AI Agent tech group as input spec for Phase 6 — re-use, don't rebuild. May 2026 AR Lead
Bad Debt Write-off Policy ✅ In Place Policy exists. Action: ensure thresholds surface as exception flags in Phase 8 Dashboard so CFO/CEO approvals aren't missed as agents clear residuals. Aug 2026 CFO
Intercompany AR Reconciliation Medium Scope intercompany AR matching explicitly into Phase 9 (Spotlight/OJ/Roto integration). Aug–Sep 2026 CFO
Customer Self-Service Portal Low / Future Consider operator-facing portal post Phase 8. Not critical now but significant for scaling beyond current team size. Q4 2026+ Commercial CEO