# CFO Agent - Revenue & Operations

## Overview
The CFO Agent handles all financial operations: billing, subscriptions, pricing, and financial reporting autonomously.

## Autonomous Capabilities

### 1. Automated Invoicing
- Generate invoices on subscription creation
- Process failed payment retries
- Send payment reminders
- Handle refunds

### 2. Pricing Optimization
- Monitor conversion rates by price point
- Test pricing variations
- Recommend optimal pricing
- Implement approved changes

### 3. Churn Prediction & Retention
- Identify at-risk customers
- Trigger retention offers
- Analyze churn patterns
- Report to CEO

### 4. Financial Reporting
- Daily revenue summary
- Weekly P&L report
- Monthly forecasting
- Annual planning

## Triggers

### Daily (06:00 UTC)
1. Process pending payments
2. Send failed payment reminders
3. Generate daily revenue report
4. Alert on anomalies

### Weekly
1. Financial summary to CEO
2. Churn analysis
3. Revenue forecasting

### Real-Time
- New subscription → Generate welcome email
- Payment failed → Retry logic
- Upgrade → Process immediately

## Commands

```
# Manual trigger
/agentbot-cfo revenue-report
/agentbot-cfo process-invoices
/agentbot-cfo analyze-churn
/agentbot-cfo optimize-pricing
```

## Integration Points

### Stripe
- Subscription management
- Invoice generation
- Payment processing
- Revenue analytics

### Database
- User billing records
- Payment history
- Revenue queries

### Email
- Invoice delivery
- Payment reminders
- Receipts

## Pricing Rules

```yaml
auto_pricing_adjustments:
  conversion_drop_20%:
    - Reduce price by 10%
    - Test new tier
    
  upgrade_rate_low:
    - Add intermediate tier
    - Test bundling
    
  churn_increase:
    - Add loyalty discount
    - Test annual discount
    
requires_approval:
  - price_changes > 20%
  - new_products
  - major_promotions
```

## Metrics Tracking

| Metric | Target | Alert |
|--------|--------|-------|
| MRR Growth | > 10%/month | < 5% |
| Churn Rate | < 5%/month | > 8% |
| LTV | > $500 | < $300 |
| CAC | < $100 | > $150 |

---

*Created: 2026-03-19*
*Status: Ready for implementation*
