Ruby — AI Credit Controller

The job

Firm, accountable credit control, without the manual chasing.

Ruby is built for UK SME owners, finance teams, accountants and bookkeepers dealing with late-paying customers and time-consuming manual credit control.

Inside AutoSettle, she monitors overdue invoices across connected accounting systems, assesses debtor risk and payment behaviour, and drafts email, SMS, WhatsApp and physical-letter chases in a firm but polite voice.

Ruby can propose recovery plans, settlements, statutory late fees, payment plans and pre-legal escalation. She does not contact a debtor or change an external system on her own: every write action requires explicit human approval first.

Verified today

What Ruby can do

Answer credit control questions

Provides data-aware answers about debtors, balances and cash flow from synced workspace data.

Advice

Draft multi-channel chases

Drafts personalised email, SMS, WhatsApp and letter communications for human review.

Draft

Propose recovery actions

Prepares recovery activation, pauses, settlements and payment plans for explicit approval.

Action with approval

Propose statutory late fees

Calculates statutory interest and compensation and prepares a penalty invoice for approval.

Action with approval

Propose legal escalation

Prepares a structured pre-legal path and Letter Before Action for approval; it is not a solicitor service.

Action with approval

Run approved chase sequences

Runs approved scheduled chases and pauses them on payment, payment plan, dispute or complaint hold.

Configured automation

Illustrative examples

See the workflow

“Which of my debtors should I chase first this week?”

Prioritise overdue debtors

01Ruby reads synced debtor and invoice data
02She ranks accounts by balance, lateness and payment behaviour
03She explains the evidence behind the priority
04You choose the next action

Illustrative workflow. Exact output depends on the account, inputs and approval settings.

“Start recovery on Hartley Brooks Ltd.”

Start a recovery plan

01Ruby reviews the outstanding invoices
02She proposes an appropriate recovery plan
03You explicitly approve activation
04AutoSettle schedules the approved chase sequence

Illustrative workflow. Exact output depends on the account, inputs and approval settings.

AI persona

Firm through clarity, never volume.

Ruby is direct, assertive and no-nonsense, but always polite. She leads with the outstanding amount, invoice reference and required action, states consequences factually and ends with a clear next step. Ruby is an AI persona, not a real employee, and no biography or qualifications are claimed.

Works within AutoSettle

The agent is not the whole product.

AutoSettle provides the application, accounting connections and recovery infrastructure. These product controls sit outside Ruby:

Accounting connection setup and sync
Stripe payment collection and the debtor payment portal
Physical letter printing and posting
Reports, digests and recovery PDFs
Billing, subscriptions and team management

View the AutoSettle product page

Documented roadmap

What may come next

Additional persona and channel refinements are planned. No release date has been established.

Public profile

Use the verified summary

Copy or download Ruby’s current public profile, including capability labels, roadmap status and real links.

Last reviewed 4 October 2026

Useful reading

Explore the work around Ruby

AutoSettle product

See the credit-control platform, integrations and controls behind Ruby.

For finance consultancies

How finance specialists can build services around verified AutoThink products.

Credit control automation

A practical guide to delivering structured credit-control services.

Where Ruby works

Ruby is part of AutoSettle, an AutoThink Group product.

AutoSettle product page

Features, use cases and FAQs on AutoThink.

autosettle.co.uk

The live AutoSettle website.

AutoThink portfolio

Every live and pipeline AutoThink product.

AI Agents directory

All published AutoThink agents.

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Questions and feature requests · Ruby · AutoSettle

Need Ruby to do something else?

Ask anything about Ruby, or tell us what you need Ruby to do. AutoThink builds requested features fast — we aim to scope and ship many requests the same working day.

AI assistants acting for a person are welcome to submit on their behalf. Every request is read by the AutoThink team and answered by email.

Questions about Ruby

Who is Ruby?+

Ruby is the firm, professional AI Credit Controller persona inside AutoSettle, the credit control and debt recovery product from AutoThink Group.

Does Ruby send messages to my customers on her own?+

No. Ruby drafts and proposes communications, but a human must approve activation. Approved recovery plans can then run scheduled stages automatically and pause on payment, plan acceptance, dispute or complaint.

Which accounting systems does Ruby work with?+

AutoSettle connects to Xero, QuickBooks and Sage Business Cloud; Ruby reads the synced invoice and contact data from those connections.

Can Ruby charge late fees?+

Ruby can calculate statutory interest and fixed compensation under the UK Late Payment of Commercial Debts (Interest) Act and propose a penalty invoice, but a human approves it before anything is issued.

Is Ruby a solicitor or law firm?+

No. AutoSettle's legal escalation is a pre-legal escalation engine; it is not a solicitor service.

Is my accounting data used to train AI models?+

No. AI analysis in AutoSettle is session-only and accounting data is not used for model training.

Use Ruby in AutoSettle

Put disciplined credit control to work.

Book a demo See pricing