How Oscilar cut time to payment by 36% with a finance team of one
About Oscilar
Oscilar has developed the most advanced AI Risk Decisioning platform that helps banks, fintechs, credit unions, and digital organizations manage onboarding, credit, fraud, and compliance risks. By combining identity verification, fraud detection, underwriting, and anti-money laundering controls, Oscilar enables teams to make faster, more accurate decisions across the customer lifecycle while maintaining strong governance and reducing operational risk.
The Challenge: Manual Billing & RevRec with a Team of One
Oscilar operates with a lean finance function, but the underlying revenue model is anything but simple. Contracts often include a mix of subscription fees, usage-based pricing, and third-party services, each with their own SKUs and billing requirements. Managing that complexity manually required significant time spent translating contracts into invoices, tracking revenue schedules, and monitoring collections.
The revenue recognition was still happening in Google Sheets. Even invoices that needed to go out were listed in some Google Sheet somewhere. It was all a manual process.
Before Tabs, much of this work relied on spreadsheets and disconnected systems. Invoice tracking, revenue recognition, and collections workflows required manual effort and constant oversight. As deal volume grew, the process could not scale without adding headcount.
Even basic workflows like setting up invoices required deep manual review. Each closed-won deal meant extracting contract terms, mapping SKUs, validating customer data, and updating revenue schedules. The risk of errors in spreadsheets and the lack of system-driven reminders for collections made it difficult to maintain both accuracy and speed.
At a glance, key challenges included:
- Manual contract-to-invoice translation for every deal
- Revenue recognition managed in spreadsheets with risk of formula errors
- No automated collections or dunning workflows
- Limited visibility into payment timelines and overdue accounts
- Scaling required additional finance headcount
Why Tabs: Automating the Translation Layer from Contract to Cash
Tabs replaced manual workflows with a system that automatically translates contracts into structured revenue operations. Instead of building invoices, tracking schedules, and managing collections manually, Monette now operates in a review layer. Tabs handles the heavy lifting, while Monette focuses on validation and decision-making.
This shift fundamentally changed how work gets done. Contracts flow directly from Salesforce into Tabs, where they are processed, structured, and turned into invoices and revenue schedules. Collections workflows are triggered automatically, and reporting is available in real time.
Tabs replaces our immediate need for a revenue accountant at our current volume. It would not be possible for me to be a one-person team without Tabs. But now I can simply operate in a reviewer state.
The result is a system that keeps billing, revenue recognition, and collections aligned without requiring constant manual coordination.
For Monette, the contrast with legacy platforms is stark. At a previous company running legacy ERP, billing and revenue recognition were separate modules, clunky to configure, difficult to use without dedicated training, and still leaving AR management and RevRec as effectively disconnected systems. With Tabs and QuickBooks, everything stays in sync automatically. Payments recorded in Tabs flow directly to QuickBooks. The AR aging report mirrors in real time. Month-end close, once a painstaking reconciliation effort, is now a single completeness check.
Automated Contract Ingestion and Invoice Generation
Tabs ingests contract data and automatically generates invoices, including future billing schedules. This eliminates the need to manually extract terms, map SKUs, and track upcoming invoices in spreadsheets. Instead of preparing invoices from scratch, Monette reviews what Tabs generates and confirms accuracy.
Revenue Recognition Built into the Workflow
Revenue schedules are created and maintained within Tabs, removing the need for manual waterfall tracking. This reduces the risk of spreadsheet errors and ensures consistency across reporting and audits. Oscilar has confidence that revenue is being recognized correctly without needing to rebuild schedules manually.
There’s also a governance dimension that matters at audit time. When one person is both preparing and reviewing the same revenue schedules, there is no real separation of duties. With Tabs handling preparation and Monette handling review, that control gap is closed. The process is defensible, and the audit trail is clean.
Automated Collections and Dunning
Tabs manages collections through automated reminders and workflows. Customers receive multiple touchpoints before manual intervention is required, ensuring consistent follow-up without additional effort from Monette.
Integrations With Existing Systems
Tabs integrates with systems Oscilar already uses like Salesforce and QuickBooks, ensuring that contract data, invoice status, and payment information stay in sync. This allows both finance and go-to-market teams to access accurate, up-to-date information without manual reconciliation.
Life With Tabs: Faster Collections and Stronger Control, With No Added Headcount
With Tabs in place, Oscilar has been able to scale its finance operations without expanding the team.
- 36% faster time to payment, reduced from 72 to 46 days
- Reduced immediate need for a dedicated revenue accountant
- Fully automated collections workflows with multiple touchpoints
- No manual tracking of invoices or revenue schedules
- Improved audit readiness and confidence in revenue accuracy
Automation has reduced the time spent on administrative work and allowed Monette’s finance function to focus on higher-value activities like collections strategy and cross-functional coordination.
Our days to pay was 72 days, and now it’s down to 46 days. With Tabs automating so much of the process, I can focus on the more complex work, like working with AEs and following up with customers after multiple reminders have already gone out.
The impact is most visible in collections performance. With automated reminders and better visibility into overdue accounts, Oscilar significantly reduced the time it takes to get paid. Monette can now intervene strategically instead of spending time on routine follow-ups.
The clearest illustration of what Tabs actually automates came when Monette built a billing and collections process memo for internal documentation. She mapped out the full workflow as a decision tree and realized that nearly every step was handled by Tabs. Her role appeared only at escalation points, when a situation genuinely required human judgment. The automation wasn’t just faster. It had effectively redesigned the job.
As Oscilar continues to grow, finance is no longer constrained by the mechanics of billing and revenue operations. With Tabs handling the underlying complexity, teams can operate with confidence, knowing that contracts and collections stay aligned as the business scales. Instead of adding headcount to keep up, Oscilar has built a system that grows with them.
