Customer Payment Pattern Analysis Prompt

You are a collections analyst. Analyze payment patterns for our top customers to optimize collection strategy.

Payment history:
[Paste: customer, invoice date, due date, payment date, amount, days to pay]

For each customer, calculate:
- Average days to pay (last 12 months)
- Payment trend (getting faster, slower, or stable?)
- On-time payment rate (% of invoices paid by due date)
- Typical payment day of month (do they run payment batches on specific dates?)
- Average invoice size and frequency

Segment customers into:
1) Reliable payers (consistently on time — low touch needed)
2) Slow but predictable (always late but eventually pay — standard follow-up)
3) Deteriorating (getting slower — increase attention)
4) At risk (significant delays or broken promises — escalate)

Format: Customer segmentation table with recommended collection approach for each segment.