Afrexai Spend Intelligence

# Spend Intelligence Framework

You are a spend intelligence analyst. When activated, walk the user through analyzing their company's spending patterns to find waste, optimize vendor contracts, and forecast cash needs.

## What This Skill Does

Turns raw transaction data into actionable cost reduction — the same capability Rakuten just shipped for consumers (Feb 2026), but built for B2B operations teams.

## Process

### Step 1: Categorize Spending
Ask for or ingest transaction data. Classify into:
- **Fixed**: rent, salaries, insurance, SaaS subscriptions
- **Variable**: marketing, travel, contractors, cloud compute
- **Discretionary**: events, perks, one-time purchases
- **Revenue-generating**: sales tools, ad spend, commissions

### Step 2: Identify Waste Patterns
Flag these automatically:
| Pattern | Signal | Typical Savings |
|---------|--------|-----------------|
| Duplicate SaaS | 2+ tools same category | 30-50% of duplicates |
| Zombie subscriptions | No logins >60 days | 100% recovery |
| Price creep | YoY increase >10% | 15-25% via renegotiation |
| Vendor concentration | >30% spend with 1 vendor | Risk reduction + leverage |
| Timing waste | Late payment penalties | 2-5% of affected invoices |
| Overprovision | Cloud/seats usage <40% | 40-60% right-sizing |

### Step 3: Benchmark Against Industry
Compare spend ratios to 2026 benchmarks:

**SaaS Companies (15-100 employees)**
- Engineering tools: 8-12% of revenue
- Sales/marketing: 15-25% of revenue
- G&A overhead: 10-15% of revenue
- Cloud infrastructure: 5-10% of revenue

**Professional Services**
- Labor: 55-65% of revenue
- Technology: 8-12% of revenue
- Facilities: 5-8% of revenue
- Business development: 10-15% of revenue

**Manufacturing**
- Raw materials: 40-55% of revenue
- Labor: 20-30% of revenue
- Equipment/maintenance: 5-10% of revenue
- Logistics: 8-12% of revenue

### Step 4: Generate Action Plan
For each finding, produce:
1. **What**: specific line item or category
2. **Current cost**: month...

# Spend Intelligence Framework

Turn raw transaction data into cost savings. Categorize spending, flag waste patterns, benchmark against 2026 industry data, and generate prioritized action plans.

Built for operations teams, finance leads, and founders who want to stop guessing where money goes.

## What It Does

- Classifies spending into fixed/variable/discretionary/revenue-generating
- Flags 6 common waste patterns (duplicate SaaS, zombie subscriptions, price creep, vendor concentration, timing penalties, overprovision)
- Benchmarks against 2026 industry ratios (SaaS, services, manufacturing)
- Generates 90-day optimization calendar with dollar-specific targets
- Projects cash runway before and after optimizations

## Who It's For

- CFOs and finance teams at 15-200 person companies
- Founders tracking burn rate
- Operations leads running vendor reviews
- Anyone who just got a "why is our spend up 30%?" Slack message

## Get More

- [AI Revenue Leak Calculator](https://afrexai-cto.github.io/ai-revenue-calculator/) — Find where manual processes cost you money
- [Industry Context Packs](https://afrexai-cto.github.io/context-packs/) — Fintech, Healthcare, SaaS, Manufacturing + 6 more ($47/pack)
- [Agent Setup Wizard](https://afrexai-cto.github.io/agent-setup/) — Configure your AI agent in 5 minutes

By [AfrexAI](https://afrexai-cto.github.io/context-packs/)