SAP FS-CD Experts in Germany
for precise, AI-powered matching with vetted and available freelancersHire experts who configure insurance collections, premiums, commissions and payment processes in SAP FS-CD, connect it with SAP Insurance and financial systems, and support migration or integration work. FRATCH matches you quickly with precise, vetted and available freelancers.
Meet FRATCH Experts in Germany, who have recently used SAP FS-CD
Fabio N.
Last position:
SAP Logistics & Financials Coordinator at AirPlus International
- Leading technical SAP projects in FI/CO and logistics.
- Advanced ABAP analysis, debugging, and validation of complex integrations.
- Optimization of financial and logistics processes in S/4HANA environments.
- Responsibility for demand management, workshops, and technical solution architecture.
Alexander H.
Last position:
Test Manager at FNZ Bank SE
- Creating a test concept and test strategy
- Planning and organizing user acceptance tests
- Coordinating test execution with business units during releases
- Guiding and coaching business units in writing user stories with acceptance criteria in Gherkin format
- Conducting training on test case creation
- Generating test reports and managing approvals/releases
- Setting up the test approach in Zephyr and Xray
- Planning and coordinating automated tests and regression tests
- Technologies and tools: Jira, Confluence, Zephyr for Jira, Xray, Microsoft Teams, ServiceNow
Gerhard K.
Last position:
Senior Project Manager and Site Manager at HENSOLDT Optronics GmbH
- Construction of the data center in Oberkochen (Defence area)
- Planning of the fiber-optic ring, simulation of Wifi coverage
- Installation plan for WAN and LAN cables for office and production (infrastructure)
- Adaptation of the SAP system (R3) for the Oberkochen site (software)
- IT transformation of the SAP system to SAP HANA
- Planning of network infrastructure and server technologies in the SAP environment
- Pré-Sales support and establishment of change management
- Independent coordination of Utilities according to Time, Budget and Quality
- Mapping of the project in MS-Projekt and SERVICENow
- Development and design of hardware and software
- Demand management and portfolio management
- Establishment of a risk register and migration plan
- Preparation of documents supporting payment in coordination with the responsible financial and commercial functions
- Budget: 5 Mio. - 34 FTE
Hassan E.
Last position:
SAP Authorization Consultant at msg/Denios
- Support for the DENIOS S/4HANA greenfield transformation. - Role development based on the organizational model and structure. - Creation of roles based on process and steps in swimlanes. - Derivation of catalogs, spaces, pages and sections from process IDs. - User assignment via the organizational structure. - Authorization administration in the S/4HANA landscape with a Fiori-first approach. - Consulting and development in the S/4HANA greenfield area.
Markus B.
Last position:
Project Management / MDM at Aenova
- System implementation from SAP R/3 and non-SAP systems into a single SAP R/3 system to consolidate processes by location and data by system.
- Coordination with business owners and planning the migration of master and transactional data.
- Implementation of the Nagarro master data add-on: Nagarro Data Care to identify current data.
- Deputy project lead for master data.
Tobias T.
Last position:
Sales Director / Managing Partner at Streamline Process Outsourcing OOD (GmbH)
Andreas R.
Last position:
Development at Bausparkasse Schwäbisch Hall
- Coordination of SAP CML, SAP CMS, iBS FIN with Paricon MXF
- Custom development (ABAP, CDS)
Tony Peter H.
Last position:
Business Analyst SAP FS-CD
After a successful soft launch of a new policy administration system, the project aims to fully integrate it with SAP FS-CD. The focus is on ensuring the processing of policy data from the legacy system and the new administration system in FS-CD, while optimizing process workflows.
- Analysis and functional design of business processes in the context of dunning, connection to court dunning, direct debit and payout returns, as well as short-term license plates in FS-CD
- Aligning and developing requirements with the relevant business units
- Creating process models for dunning, returns, seasonal, and short-term license plate processes using BPMN
- Drafting customizing proposals and analyzing the relevant timing in FS-CD
- Coordinating with the development team for implementation and jointly developing efficient solution concepts
- Capturing and documenting requirements and optimizing existing workflows in JIRA and Confluence
Discover over 15,000 top freelancers
Statistics of experts using SAP FS-CD
Aggregated from the professional profiles of matched freelancers.
Experience
20 years
Position duration
2 years
Positions per freelancer
17
Top business areas
Information Technology, Finance, Project Management
Top industries
Information Technology, Banking and Finance, Insurance
Certification focus areas
Information Technology, Project Management, Finance
Bachelor's degree or higher
100%
Master's degree or higher
67%
Certifications per freelancer
6
Most common languages
German, English, French
Speak two or more languages
88%
Based on our profile pool as of 29 Oct 2026.
Daily rate distribution
The chart shows how the daily rates of experts in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows the share of experts charging within that range.
Average rates of experts in Germany using SAP FS-CD
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 29 Oct 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
SAP FS-CD experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Information Technology (100%)
- Banking and Finance (75%)
- Insurance (75%)
- Transportation (75%)
- Professional Services (75%)
- Automotive (50%)
- Manufacturing (50%)
- Aerospace and Defense (25%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
Insurance Collections
SAP FS-CD, or SAP Financial Services Collections and Disbursements, is the SAP component for managing financial transactions in insurance. It handles premiums, receivables, payables, incoming payments, refunds, commissions and broker settlements across complex insurance products.
Core Processes
The system supports the complete financial lifecycle from contract-related postings to payment allocation and reconciliation. It can separate business transactions, apply rules for dunning and write-offs, and provide traceable accounting data for downstream finance processes.
- Premium and receivables management
- Payment allocation and clarification
- Commission and broker settlement
- Collections, dunning and refunds
SAP Ecosystem
SAP FS-CD commonly works with SAP Insurance, SAP S/4HANA Finance, policy administration systems and payment service providers. Effective specialists understand integration patterns, business partner data, account determination, posting rules, interfaces and the implications of SAP releases and custom extensions.
When Expertise Helps
Companies bring in freelance expertise during insurance platform implementations, SAP transformations, migrations and production stabilisation. Support is also valuable when reconciliation issues persist, payment volumes change, legacy interfaces need replacement or finance and insurance teams require a clearer operating model.
- Design FS-CD processes for new insurance products
- Map data for migration and reconciliation
- Connect policy, payment and finance systems
- Analyse posting, clearing and performance issues
Strong Professionals
A strong SAP FS-CD professional combines insurance accounting knowledge with practical configuration and integration skills. They can explain how a requirement affects subledger postings, clearing, tax, payment runs and reporting, then document decisions so business and technical teams can maintain the solution.
For German companies, remote collaboration can work well when workshops, testing and handovers are structured. On-site presence may still help during cutover, complex process design or coordination across local insurance and finance teams.
Selecting the Right Specialist
Review examples of relevant insurance processes rather than relying on SAP terminology alone. Ask how the specialist has handled payment allocation, open-item management, account determination, interfaces and reconciliation, and how they test changes across policy, collections and general-ledger processes.
Clarify the target SAP landscape, integration responsibilities, documentation needs and stakeholder language early. The best fit can connect detailed FS-CD configuration with business outcomes, risk controls and a realistic delivery plan.
Frequently asked questions
Key details about SAP FS-CD, drawn from the questions we get asked most.
SAP FS-CD manages insurance-related receivables and payables. It supports premium postings, incoming payments, payment allocation, dunning, refunds, commissions, broker settlements and reconciliation with finance systems.
SAP FS-CD is designed for the transaction complexity of insurance. Unlike a general accounts receivable module, it supports contract-related postings, insurance-specific clearing, high volumes of small payment items and detailed links to policy and claims processes.
A strong SAP FS-CD specialist often understands SAP S/4HANA Finance, SAP Insurance, business partner data, payment formats, tax, integration technologies and policy administration systems. Knowledge of insurance accounting and reconciliation is equally important.
The right SAP FS-CD professional depends on the project stage and risk. A configuration change may need focused process expertise, while an implementation or migration requires broader knowledge of architecture, data conversion, integrations, testing and cutover.
Much SAP FS-CD work can be delivered remotely through structured workshops, shared documentation and controlled testing. On-site collaboration can be useful for process design, cutover and issues that require close coordination with insurance and finance teams in Germany.
Ask a SAP FS-CD freelancer to explain a relevant insurance process from source transaction through subledger posting, clearing and reconciliation. Look for clear reasoning, practical testing methods, strong documentation and the ability to identify impacts outside the immediate configuration.
SAP FS-CD experts commonly configure posting rules, account determination, payment allocation, dunning, returns, refunds and commissions. They may also support data migration, interface design, defect resolution, performance analysis and production readiness.
Before starting with SAP FS-CD, clarify the SAP release, connected policy and finance systems, project phase, delivery scope and decision owners. Also confirm whether the work is remote or on-site, which language is used in workshops and how testing and cutover are governed.
The average hourly rate of freelancers in Germany who have used SAP FS-CD in their recent projects is 110 €, which corresponds to a daily rate of about 883 € based on an 8-hour working day.
Of the freelancers in Germany who have used SAP FS-CD in their recent projects, 100% hold at least a Bachelor's degree and 67% hold at least a Master's degree.
On average, freelancers in Germany who have used SAP FS-CD in their recent projects have 20 years of professional experience, with a single engagement typically lasting around 2 years.
The most common languages among freelancers in Germany who have used SAP FS-CD in their recent projects are German (100%), English (75%), and French (13%).
The most common industries among freelancers in Germany who have used SAP FS-CD in their recent projects are Information Technology (100%), Banking and Finance (75%), and Insurance (75%).
The most common business areas among freelancers in Germany who have used SAP FS-CD in their recent projects are Information Technology (88%), Finance (75%), and Project Management (75%).
Main locations of FRATCH Experts, who have recently used SAP FS-CD
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
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