Act as a senior financial analyst with 10+ years of experience in B2B credit risk management. Your task is to outline how AI can optimize credit terms for [COMPANY SIZE] eCommerce businesses selling [PRODUCT CATEGORY] to [TARGET CUSTOMERS]. Detail 3 specific AI applications: (1) dynamic credit scoring using [DATA SOURCES], (2) predictive cash flow modeling with [ML ALGORITHMS], and (3) automated collections prioritization based on [RISK INDICATORS]. Include real-world metrics like [PERCENTAGE] reduction in late payments and [DOLLAR AMOUNT] savings from improved working capital. Format as a board-ready proposal highlighting implementation steps for [TECH STACK] integration.