SAP FS-CD Experts in Germany
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Meet FRATCH Experts in Germany, who have recently used SAP FS-CD
Gerhard Kolar
Last position:
Senior Project Manager and Construction Manager at HENSOLDT Optronics GmbH
- Building the data center in Oberkochen (defense area)
- Planning the fiber optic ring, simulation of Wi-Fi coverage
- Cable routing 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 network infrastructure and server technologies in the SAP environment
- Pré-sales support and setting up change management
- Independent coordination of utilities according to time, budget and quality
- Mapping the project in MS Project and SERVICENow
- Development and design of hardware and software
- Demand management and portfolio management
- Building a risk register and migration plan
- Preparation of payment-supporting documents in coordination with the responsible finance and commercial functions
- Budget: 5 Mio. - 34 FTE
Fabio Nogueira
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 Hauser
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
Hassan El Aboubi
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 Blum
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.
Andreas Rudi
Last position:
Development at Bausparkasse Schwäbisch Hall
- Coordination of SAP CML, SAP CMS, iBS FIN with Paricon MXF
- Custom development (ABAP, CDS)
Tobias Theis
Last position:
Sales Director / Managing Partner at Streamline Process Outsourcing OOD (GmbH)
Tony Peter Heinrich
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
50%
Certifications per freelancer
5
Most common languages
German, English, French
Speak two or more languages
88%
Based on our profile pool as of 30 Aug 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge 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 30 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
About the technology
Core use
SAP FS-CD is the collections and disbursements layer used in insurance processes. It manages open receivables, payments, refunds, dunning, and account maintenance across policy, claims, and billing scenarios. Many teams also know it as SAP for Insurance: Collections and Disbursements.
Typical work
- Set up collection rules and payment runs
- Handle clearing, reconciliation, and posting logic
- Support dunning, reminders, and write-off flows
- Connect billing, claims, and finance processes
Integration points
Strong SAP FS-CD work depends on nearby SAP components and clean handoffs. Experts often work with FI-CA, SAP S/4HANA, policy administration systems, payment files, and bank interfaces. In Germany, this often means close coordination with finance, insurance operations, and internal SAP teams.
When specialists help
Companies bring in freelance specialists when a rollout is stuck, a migration needs careful mapping, or payment and collection rules need redesign. They also help with production issues, interface defects, and process gaps after go-live. A good expert reads business rules and turns them into stable configuration and tested flows.
What strong experts know
Strong professionals understand insurance finance, master data, account logic, and exception handling. They can trace a posted item through the full lifecycle, explain why a payment did not clear, and adjust configuration without breaking downstream processes. They write clear documentation and test cases that support handover.
Germany delivery fit
SAP FS-CD projects in Germany often involve regulated insurance operations, German-language process documents, and mixed remote and on-site collaboration. Freelance experts who can work with local teams, finance stakeholders, and SAP support structures are especially useful during cutovers, audits, and stabilization phases.
Frequently asked questions
Key details about SAP FS-CD, drawn from the questions we get asked most.
SAP FS-CD handles collections and disbursements inside insurance processes. It is used for receivables, payments, refunds, dunning, clearing, and account maintenance when money moves between policyholders, claims, and finance. Many teams rely on it as the operational layer between business rules and accounting.
Yes, SAP FS-CD is commonly understood as SAP Collections and Disbursements, and many teams also refer to it as SAP for Insurance: Collections and Disbursements. The short name is usually used in project discussions, while the longer name appears in documentation and vendor material. In practice, people mean the same insurance finance functionality.
SAP FS-CD is often discussed together with FI-CA because both deal with open items, clearing, and payment processing. The difference is that FS-CD is tailored to insurance scenarios and business rules, while FI-CA is the broader contract accounting framework. A good specialist knows where one ends and the other starts in your landscape.
A strong SAP FS-CD specialist usually knows insurance accounting, payment processing, dunning, clearing logic, and integration handling. They should also understand how FS-CD connects to FI-CA, finance, policy systems, and bank interfaces. Testing, defect analysis, and clear documentation matter just as much as configuration.
The right SAP FS-CD expert depends on the task. A simple support fix may need someone who knows the standard processes well, while a rollout, migration, or complex redesign needs deeper hands-on experience with configuration and integration. The key is proven work on similar insurance and collections scenarios.
Yes, much of SAP FS-CD delivery can be done remotely, especially configuration, analysis, testing, and documentation. On-site time is useful for cutovers, workshops, and stakeholder alignment when business rules are complex. In Germany, many teams prefer a mix of remote work and local availability for key phases.
Look for a SAP FS-CD specialist who can explain actual process flows, not just configuration steps. Good signs are clear examples of handling clearing issues, payment exceptions, and integration defects, plus solid test thinking and documentation. You want someone who can work with finance and insurance teams without losing the business logic.
Typical problems in SAP FS-CD projects are poor mapping of business rules, weak integration design, and incomplete testing of exceptions. Payment files, dunning logic, and clearing paths are especially sensitive. A skilled expert focuses on end-to-end traceability so issues can be found and fixed quickly.
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 881 € 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 50% 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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Philipp Thomaschewski
FRATCH CEO
