Channel scheme intelligence
Scheme spend you can optimise, manage and settle.
Reflexion manages discount provisions, price structures and channel schemes for your distributors and retailers — recommends the schemes worth running, computes every payout, and settles the credit notes straight into SAP S/4 HANA.
Q3 growth scheme
Distributor tier · North · 01 Jul – 30 Sep
Blocked provision
5.2%
Utilised provision
4.7%
Accrued provision
₹41.6L
4.7% utilised of the 5.2% provision blocked
The status quo
Scheme spend is your biggest lever — and your blindest spot.
- Schemes drafted in spreadsheets and approved over email
- No view of past performance when designing new schemes
- Off-invoice discounts that quietly breach the accrued provisions
- Unused provisions sitting idle in the wrong bucket
- Credit notes calculated manually in Excel, prone to errors
- No way to tell which schemes actually drove sales and which didn't
The platform
One system from budget to credit note.
Provision management
Load annual budgets, organise them into buckets by type and segment, and move funds where they'll work hardest.
Price structure governance
Define list price, on-invoice and off-invoice layers. Every new scheme is checked against the balance available.
Scheme builder
Quantity, value, growth, slab, bulk-lifting, reward-point and custom rule-based schemes — configured, not coded.
Approval workflows
Role-based, multi-level approvals with a full audit trail. Auto-numbered schemes and generated circulars.
Settlement engine
Computes eligibility and payouts against actual sales, then raises credit notes ready for sign-off.
Effectiveness analytics
Mid-term tracking, ROI by customer and region, and a clear read on what each scheme returned.
Scheme types
Every scheme your channel already runs.
Each type carries its own rules, eligibility and terms. Reflexion holds them all in one place, so provisions, approvals and settlements work the same way whichever scheme you run.
- 01Quantity Discount
- 02Turnover Discount
- 03Growth Scheme
- 04Near Expiry Discount
- 05Bulk Lifting Discount
- 06Shelf Life Scheme
- 07Budget Achievement Scheme
- 08Early Payment Discount
- 09Advance Collection Discount
- 10Reward Points Scheme
- +custom rulesany structure you can configure
How it works
A closed loop, not a chain of emails.
- 01
Design
ML-driven slab recommendations shape the scheme.
- 02
Simulate
Model sales, credit note and provision impact first.
- 03
Approve
Role-based Maker-Checker workflows route it right.
- 04
Execute
Auto-generated circulars and SAP sync, no re-keying.
- 05
Track
Daily provision and effectiveness visibility.
- 06
Optimise
A learning engine sharpens the next round of schemes.
What changes
Less reconciling. More deciding.
0
Provision breaches
Real-time validation blocks any scheme that exceeds the provision available to it.
100%
Approval traceability
Schemes, price changes and circulars all routed through Maker-Checker workflows with a full audit trail.
Daily
CN & provision visibility
Accrued, utilised and balance provisions, drillable by zone, region, customer and invoice line.
Same budget
Higher sales uplift
The optimisation engine reallocates discounts across customer clusters within the existing budget.
Recommendations
Know which scheme to run before you run it.
Reflexion learns from past schemes, sales history and remaining provisions to suggest the structure, slabs and payout most likely to hit your target. Model scenarios side by side, then send the winner for approval.
Optimal slabs
Reflexion forecasts customer sales clusters and recommends the slab levels that pull the most customers up — lifting sales on the same budget.
Scenario modelling
Compare projected sales, payout and ROI across scheme options.
Mid-term nudges
Alert customers close to the next slab, and teams close to a budget breach.
Provision insight
Spot unused budget early and re-allocate it across regions or products.
Why Reflexion
What a spreadsheet can't do.
- 01
Block only what you'll spend
Provision is blocked against the scheme you propose to run — not the highest slab in the price structure.
- 02
Slabs built on real clusters
Recommends the optimal slabs from forecasted customer clusters, so targets stay reachable and funding stays tight.
- 03
Discount depth, tuned
Optimises schemes around how sensitive sales are to discount at product and geography level.
- 04
Nudges that close the gap
Prompts customers who are within reach of the next slab, so they push on to close the gap.
- 05
Circulars that write themselves
Generates circulars with terms and conditions that follow the approved scheme structure.
- 06
In-kind, tracked end to end
Tracks procurement of the goods and services promised under an in-kind scheme, so what is paid out matches what was actually delivered.
- 07
Debit notes on returns
When stock comes back, Reflexion posts the matching debit note automatically and corrects the provision with it.
- 08
Schemes that improve themselves
Analyses effectiveness after settlement and feeds what worked into the next round of recommendations.
Industries
Made for categories that run on schemes.
Consumer Durables
White goods, brown goods and appliances, pushed through dealer networks.
FMCG
High-volume schemes across distributors, wholesalers and kirana retailers.
Home Improvement
Paints, wall finishes, lighting, modular kitchens and décor.
Agri Inputs
Fertilisers, crop protection, seeds and equipment, timed to the season.
FMEG
Fans, small appliances, lighting and water purifiers, moved season by season.
Building Materials
Cement, tiles, sanitaryware, plywood, adhesives and hardware.
SAP S/4 HANA integration
Built to work seamlessly with SAP S/4 HANA.
Reflexion sits alongside SAP S/4 HANA rather than in front of it. Data moves both ways, and nothing has to be entered twice.
SAP S/4 HANA Reflexion
Kept current- Reflexion reads the data a scheme needs to be designed, costed and tracked.
- What you see is what SAP already holds.
Reflexion SAP S/4 HANA
On approval- What finance approves posts back — no re-keying.
- Every entry traces to the scheme that produced it.
SAP S/4 HANA stays the system of record throughout. Circulars and notifications go out on their own.
Turn scheme spend into a measurable return.
See Reflexion with your own provisions and schemes. Live in weeks, not quarters.
Book a demo