FinanceOps
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Pragas Nanthakumar

CEO & Co-founder

Pragas spent over a decade in banking and capital markets before FinanceOps, trading credit and market risk at RBC Capital Markets, running operations at a high-growth startup, then leading treasury innovation and data strategy at Scotiabank and capital markets at Ramani.io. That path put him inside a problem CFOs feel but rarely say out loud: money owed to the business, sitting uncollected, quietly draining cash flow. That's the problem he built FinanceOps to solve, for credit unions, healthcare providers, and any CFO carrying that same risk. As CEO, his focus stays on one question, how does a business recover what it's owed without the cost or damaged relationships of a traditional collection agency. He writes on the economics behind recovery, cost to collect, DSO, and liquidity.

7 articles
Credit union finance executive reviewing an AI-coordinated accounts receivable workflow in a modern operations environment
AI Accounts Receivable

FinanceOps Agentic AI for Accounts Receivable in 2026

A CFO framework for evaluating FinanceOps Agentic AI, FinanceOps Score, portfolio economics, governance, and seven connected capab…

Pragas NanthakumarSep 16, 202610 min
Agentic AI orchestration layer connecting invoices, customer communications, risk signals, payments, and ledger reconciliation
Banking and Credit Union Leadership · 2026

Why Agentic AI Is the Future of Accounts Receivable

Pragas Nanthakumar explains why banks and credit unions need governed agentic AI to turn delinquency signals into faster, accounta…

Pragas NanthakumarSep 15, 202612 min
Credit Union Case Study

How LAFCU Collected $1M+ and Cut Delinquency 65%

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Pragas NanthakumarSep 9, 20261 min
DENTAL CASE STUDY

How Enamel Reduced 120+ Day Delinquencies 90% and Recovered Payments

WHAT’S INSIDE Why $100-$250 patient balances remained unpaid for more than 120 days How Enamel automated collections without hirin…

Pragas NanthakumarAug 27, 20261 min
Image of Debt Recovery Services

How Debt Recovery Services Help You Get Back on Track

Introduction: How Debt Recovery Services Help You Get Back on Track When outstanding payments pile up, the financial strain can di…

Pragas NanthakumarMay 12, 20255 min
Image of effective collection letter

How to Write Effective Collection Letters: Templates and Examples for Outstanding Balances

Blog Summary: This blog explains how to write effective debt collection letters in 2026 that recover outstanding balances while st…

Pragas NanthakumarMay 9, 20256 min
Photo of a man and a lady seated and looking into a laptop with another lady looking over their shoulder

Accounts Receivable Factoring: What, How, Benefits, and More examples

Introduction: Accounts Receivable Factoring Are you tired of waiting for clients to pay their invoices, leaving you strapped for c…

Pragas NanthakumarNov 10, 202411 min