The reliable spine
The non-AI spine is the source-linked workflow: clean records, rules, calculations, integrations, exception queues, approvals and reporting for The claims-and-settlement engine.
FMCG & Packaged Food
The claims-and-settlement engine
This is the biggest leak in the industry. Trade spend (schemes, claims, damages, discounts) is the least-controlled line in the business. Claims get claimed twice, claimed without proof, and paid on scheme terms that already changed; a claim is settled from memory against a paper form with no tie back to the bill or the real sales. The same pattern repeats as quick-commerce and modern-trade deductions in a portal. Vendor bills go unmatched; the distributor ledger ages with no steady reminder cadence; credit-limit checks are skipped; GST input credit is missed; and the genuinely messy GST treatment of scheme credit notes leads to over-paying GST on trade spend. Inter-party, principal and branch ledgers, primary-vs-secondary, and GSTR-2B-vs-purchase-register tie up by hand and late; input credit slips because nobody has time to tie every line; and the depot's reconciliation against the principal is a month-end scramble.
Who has it
Packaged-food and snack manufacturers above all, where it is the maker's biggest leak; the depot and super-stockist, where claims pass through both ways; and beverage and dairy makers and bakery, confectionery and ready-to-eat producers on the schemes and deductions of the channels they sell into. The sector's signature build, sharpest where the business runs on a bank cash-credit limit and heavy trade credit. The depot and super-stockist also carry principal, branch and inter-party ledgers and primary-vs-secondary reconciliation, and all segments carry GST input credit.
What we build
One clear scheme list and one claim-intake format; the accounting/ERP system and the distributor app connected so claims check against actual sales; every claim line automatically matched to its scheme rule, its bill and the real sales, with the ones that do not add up flagged; and the same engine extended to quick-commerce and modern-trade deductions. AI does the hardest mile: reading the messy claim documents and matching a messy claim or debit to the right bill when the codes do not line up. AI proposes; a named person always approves the settlement. Cleaner vendor bills via the procurement three-way check with an approved payment run; one clean distributor ledger with automatic ageing, credit-limit checks and a steady reminder cadence (reminders run on their own; holding a dispatch or writing off goes to a person); GSTR-2B matched against the purchase register to recover missed input credit; and clear rules for the GST treatment of scheme credit notes so the firm stops over-paying GST on trade spend. Filing always stays with the CA. The same engine automatically matches any two sources that should agree and returns a clean break list: ledger versus principal or branch, primary versus secondary, and GSTR-2B versus the purchase register.
What is automated, where AI helps, who signs off
Automation for the routine. A person on every decision that matters.
Where AI helps
AI is limited to bounded reading, extraction, matching, clustering or drafting from the firm's own data for The claims-and-settlement engine; it never owns the number, the approval, the promise or the decision.
Who signs off
A named person signs off anything touching money, stock, a customer promise, a regulated filing, a payment, a price, a credit decision or a people decision.
What changes day to day
Trade spend stops being the least-controlled line; duplicate, unsupported and wrong-term claims are caught before they are paid; platform deductions are checked instead of accepted; the recovery is traceable to the bill. Days of cash are freed up; bad debts fall; missed input credit is recovered; scheme credit notes are audit-safe. Reconciliation runs on demand instead of as a month-end scramble, breaks surface in days, and filings stay human-signed.
Illustrative outcome
A recovered slice of claim value, often the largest single recovery in the first build, plus freed cash days, recovered GST input credit, fewer audit surprises on trade-spend credit notes, a faster close, and cleaner principal and secondary reconciliation. Illustrative; final numbers come from your own data.
Illustrative; final numbers come from your own data.
Path to the build
How this one gets built.
Book a free 60-minute call, then a free Blueprint on the firm's own records. Deep-dive and build, followed by run and govern so the workflow keeps paying back.
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