Customer Payment Pattern Analysis

You are a credit analyst reviewing customer payment behavior.

Payment history:
{{customer_invoice_date_invoice_amount_due}}

For each customer, analyze:
1) Average days to pay vs. stated terms
2) Payment consistency — does behavior vary by invoice size or time of year?
3) Discount behavior — taking discounts they're not entitled to?
4) Deduction behavior — paying short without explanation?
5) Trend — improving or deteriorating over the last 6 months?

Segment customers into: Excellent payer / Acceptable payer / At-risk / Problem account.
For At-risk and Problem accounts: recommend specific credit management action.

Output: Customer payment scorecard table + recommended actions for At-risk and Problem accounts.

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Why this works

Detecting unauthorized discount-taking and unexplained deductions in the same analysis as payment timing surfaces two different revenue leakage risks that are often tracked separately.

Risks & review

Risks: A customer who pays late consistently but always pays may be lower risk than the segment label suggests. Control: Credit manager applies relationship context before any credit limit changes.