collections-today

name	collections-today
description	Daily AR worklist: top 20 overdue invoices ranked by recovery probability (outstanding amount × payment-behaviour score). Use when the user asks who to chase for payments today, wants a collections prioritisation, or needs a daily AR action list. Do NOT use for aggregate overdue totals or bad-debt analysis.
when_to_use	Trigger on: "who should I chase today", "collections worklist", "collections today", "payment chase list", "who to call for collections", "AR priority list", "top collections priorities", "daily collections".

Collections Today

Rank overdue invoices by recovery probability and surface the top 20 to work today.

Setup

Resolve org ID via ZohoBilling_List_all_Organizations.

Fetch (run in parallel)

#	Tool	Purpose
1	ZohoBilling_Get_AR_Aging_Details_Report	All overdue invoices with aging buckets
2	ZohoBilling_Get_Time_to_Pay_Report	Historical days-to-pay per customer
3	ZohoBilling_Get_Customer_Payments_Report	Recent payment activity
4	ZohoBilling_Get_Customer_Balance_Summary_Report	Total balance per customer

Scoring

For each overdue invoice compute a recovery score:

recovery_score = outstanding_amount × pay_probability

pay_probability derived from:
  + Customer has paid before within terms historically  → +0.3
  + Last payment within 60 days                        → +0.2
  + Invoice < 30 days overdue                          → +0.2
  − Invoice 61–90 days overdue                         → −0.2
  − Invoice 90+ days overdue                           → −0.4
  − Multiple previous missed payments                  → −0.2
  Base: 0.5
  Clamp: 0.1 – 0.9

Sort descending by recovery_score. Show top 20.

Output

See references/output-format.md for the full worklist format.

Summary line at top:

Collections Today — [date]
Total overdue: $XXX,XXX  ·  Top 20 shown  ·  Est. recoverable today: $XX,XXX

Per row: rank · customer · invoice · amount · days overdue · recommended action.

Recommended actions:

• High score (>0.7) + < 30 days: Email invoice — likely to pay with a nudge
• Medium score (0.4–0.7) + 30–60 days: Phone call — needs direct contact
• Low score (<0.4) + 60–90 days: Payment link — remove friction
• Very low score + 90+ days: Apply credits if available or escalate

Constraints

• Use API totals for balance sums — do not manually aggregate paginated rows
• If time-to-pay data is unavailable for a customer, use base probability 0.5
• Top 20 only — users should use /overdue-invoices for the full list
• Propose-only: no emails sent, no payments applied

Edge cases

• Zero overdue invoices: "No overdue invoices — AR is clean 🟢"
• Customer with credits available: flag "Credits available — apply before chasing"