Generate customer statements with credit risk scoring by email

Builds a branded PDF statement for each customer, scores their credit risk, and emails it automatically.

How the work actually flows

A straight line. Runs once per each customer account.

Pattern: Multiple Instances with a priori Design-Time Knowledge (13)

flowchart TD trig(["scheduled billing cycle"]):::trigtime s0[["calculate and age balances"]]:::mi s1["score credit risk"]:::task s2["build pdf statement"]:::svc s3["email and archive statement"]:::svc trig --> s0 s0 --> s1 s1 --> s2 s2 --> s3 out[/"branded statement delivered with risk score"/]:::out pay{{"early warning on risky accounts"}}:::pay s3 --> out out --> pay classDef task fill:#e7f6fe,stroke:#34b8f0,color:#2c2a29 classDef svc fill:#f6f8fa,stroke:#7c8795,color:#2c2a29 classDef mi fill:#e7f6fe,stroke:#0079a8,color:#2c2a29,stroke-width:2px classDef human fill:#fff,stroke:#0079a8,color:#0079a8 classDef store fill:#f6f8fa,stroke:#0079a8,color:#2c2a29 classDef trig fill:#00a4eb,stroke:#0079a8,color:#fff,font-weight:bold classDef trigtime fill:#00a4eb,stroke:#0079a8,color:#fff,font-weight:bold classDef trigdata fill:#8ad4f5,stroke:#0079a8,color:#06314c,font-weight:bold classDef gate fill:#fff,stroke:#e8a23d,color:#6b4708,font-weight:bold classDef out fill:#1f9d6b,stroke:#167a53,color:#fff,font-weight:bold classDef pay fill:#06314c,stroke:#021f33,color:#fff
Starts itA stepAn outside serviceRuns once per itemResultPayoff
Build size
Advanced

A larger build with multiple systems, AI reasoning, and custom rules.

Business functions
Email AutomationDocument Processing & OCRAPI & Webhook IntegrationFile & Cloud StorageFinance & Accounting
Connects
GmailGoogle Drive
Featured in

The problem it solves

Putting together customer account statements means pulling transactions, calculating balances, checking who is overdue, and formatting everything into something presentable. Doing that by hand for every account each month eats an entire day, and it is easy to miss a customer who is quietly becoming a credit risk.

Who it fits

A finance or accounting team that sends recurring customer statements and wants to catch risky accounts early.

How it works

  1. A scheduled trigger or a system update starts the process for each account
  2. The automation calculates running balances and ages outstanding amounts into buckets
  3. It scores payment risk and flags accounts nearing or over their credit limit
  4. A branded statement is built and converted into a PDF
  5. The PDF is emailed to the customer and archived in Google Drive
What you get

Risky accounts you spot before they become write-offs

Each customer receives a branded statement by email while risky accounts get flagged automatically, so you catch problems early.

What you get

A branded PDF statement per customer, delivered by email, plus a risk score for accounts needing attention.

What you need

A Gmail account, a Google Drive account, and access to your accounting data.

We can build this. But should you?

The hard question is not how to build it. It is whether this is the right thing to build first.

That is what a Fractional Chief AI Officer figures out with you, before anyone writes a line of code.

Let's Talk Strategy

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