SAP FS-CD Experts in Germany
with precise AI matching and vetted, available freelancersHire experts who configure insurance collections, automate commission and payment processes, and integrate SAP FS-CD with policy administration and financial systems. FRATCH quickly connects you with precise, AI-matched freelance specialists who are vetted and available.
Meet FRATCH Experts in Germany, who have recently used SAP FS-CD
Gerhard K.
Last position:
Senior Project Manager and Site Manager at HENSOLDT Optronics GmbH
- Set-up of the data center in Oberkochen (Defence division)
- Planning of the fiber-optic ring and simulation of Wi-Fi 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
- Pre-sales support and establishment of change management
- Independent coordination of utilities according to time, budget and quality
- Mapping of the project in MS Project and SERVICENow
- Development and design of hardware and software
- Demand management and portfolio management
- Set-up of a risk register and migration plan
- Preparation of payment-supporting documents in coordination with the responsible finance and commercial functions
- Budget: 5 million - 34 FTE
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
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.
Andreas R.
Last position:
Development at Bausparkasse Schwäbisch Hall
- Coordination of SAP CML, SAP CMS, iBS FIN with Paricon MXF
- Custom development (ABAP, CDS)
Tobias T.
Last position:
Sales Director / Managing Partner at Streamline Process Outsourcing OOD (GmbH)
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
50%
Certifications per freelancer
5
Most common languages
German, English, French
Speak two or more languages
88%
Based on our profile pool as of 19 Sep 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 19 Sep 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 finance core
SAP FS-CD, the Contract Accounts Receivable and Payable component for Insurance, manages the financial side of insurance contracts. It supports premium billing, incoming payments, receivables, refunds, dunning, and collections across complex insurance products. Companies use it to connect policy transactions with accurate subledger accounting.
Core capabilities
The solution handles high-volume payment processes while keeping contract accounts and financial postings aligned. Specialists configure business transactions, payment lots, clearing rules, correspondence, dunning procedures, and reconciliation. They also align FS-CD with general ledger processes and reporting requirements.
SAP ecosystem
SAP FS-CD commonly works with SAP for Insurance, SAP S/4HANA, policy administration systems, and integration services. Relevant expertise includes FI-CA principles, ABAP enhancements, BRFplus rules, IDoc or API-based integration, batch processing, and data migration. Strong professionals understand both insurance operations and SAP finance configuration.
Where it fits
Companies bring in freelance expertise when an FS-CD landscape must be introduced, modernized, integrated, or stabilized. Typical work includes:
- Configure premium, payment, clearing, and dunning processes
- Integrate policy administration and payment service systems
- Prepare migration and reconciliation of contract account data
- Improve month-end closing and financial reporting flows
When specialists help
External professionals are useful during insurance platform rollouts, SAP transformations, carve-outs, and complex release programs. In Germany, collaboration may involve insurers, brokers, or service providers with established SAP governance and strict coordination between business and IT teams. Remote delivery works well when documentation, access, and decision paths are clear; on-site workshops can help with process design and testing.
What quality looks like
A strong specialist translates insurance rules into maintainable FS-CD configuration rather than relying on isolated fixes. They can explain posting logic, trace a payment from source transaction to ledger, and test exceptional cases such as partial payments, reversals, refunds, and disputed receivables. Look for clear documentation, controlled transports, practical test evidence, and experience communicating with finance and insurance stakeholders.
Frequently asked questions
Key details about SAP FS-CD, drawn from the questions we get asked most.
SAP FS-CD manages contract accounts receivable and payable for insurance businesses. It covers premium billing, payment allocation, clearing, refunds, dunning, collections, and the transfer of financial data to accounting systems.
SAP FS-CD is designed for insurance contract accounts and the transaction volumes and rules they require. Compared with standard FI-AR, it offers insurance-specific processing for premiums, policy-related postings, payment allocation, collections, and correspondence.
SAP FS-CD work often requires FI-CA knowledge, insurance accounting, policy administration integration, ABAP, BRFplus, migration, and SAP S/4HANA familiarity. Experience with APIs, IDocs, payment formats, testing, and reconciliation is also valuable.
SAP FS-CD specialists are often engaged for implementations, system transformations, integration programs, data migrations, and production issue resolution. Freelancers can also support process redesign when internal teams need focused insurance and finance expertise.
SAP FS-CD projects vary widely in complexity. A configuration change may need focused functional expertise, while a transformation involving policy systems, payment flows, migration, and accounting requires a specialist who has handled comparable end-to-end processes.
SAP FS-CD work can often be delivered remotely when secure access, process documentation, and reliable testing environments are available. On-site sessions may still be useful for workshops, stakeholder alignment, and resolving complex issues across German-speaking insurance teams.
SAP FS-CD quality is best assessed through concrete examples of configured processes, integrations, migrations, and issue investigations. Ask how the specialist validates posting logic, handles exceptions, documents transports, and proves results through structured testing.
SAP FS-CD combines functional insurance finance knowledge with technical integration and enhancement skills. The best specialists can model business transactions, explain accounting outcomes, work with ABAP or interfaces when needed, and coordinate effectively with policy and finance teams.
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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FRATCH CEO
