MFP: Intelo.ai Agent Team

MFP is the Intelo Agent Team that builds, stress-tests, and continuously reconciles your merchandise financial plan. Business plan, open-to-buy, and scenario planning: live, not quarterly.

What is agentic merchandise financial planning?

Agentic merchandise financial planning (MFP) is an AI operating model that builds the sales, margin, inventory, and markdown plan automatically at every level of the merchandise hierarchy, keeps it reconciled with live demand and in-season actuals, and gives planners a conversation layer to adjust it. Intelo's MFP replaces the quarterly spreadsheet cycle with continuous, decision-ready planning.

Agents in this team

• Merchandise Financial Planning: Builds the sales, margin, inventory, and markdown plan at every hierarchy level. Reconciles automatically with corporate targets, historical performance, and live demand forecasts from Merchant Analytics.
• Business Planning: Translates enterprise financial targets into merchandising-level goals and tracks variance continuously. Flags where plans are drifting out of tolerance before the month closes, not after.
• Open-to-Buy Manager: Computes available-to-spend at any hierarchy level, any time. Reacts to in-season performance. If sell-through accelerates, OTB expands; if it slows, commitments are tightened automatically.
• Scenario Planning: Models the financial impact of decisions before you make them: price changes, receipt shifts, assortment edits, macro shocks. Surfaces tradeoffs in minutes instead of modeling sprints.

Frequently asked questions

What is agentic MFP and how does it differ from traditional planning tools?

Traditional MFP tools give planners a grid and workflows to build the plan themselves. Agentic MFP builds, stress-tests, and reconciles the plan automatically, at every hierarchy level, keeping it in sync with live demand and in-season actuals. Planners stop maintaining the plan and start making decisions on top of it.

How does Intelo MFP integrate with Oracle, SAP, or Excel-based planning?

Intelo coexists with existing ERP, data warehouse, and planning systems. The MFP agents ingest from Oracle Retail, SAP, Microsoft, Databricks, Snowflake, and spreadsheet-based plans, and can write committed plan versions back to systems of record. Most customers keep their existing financial systems and layer Intelo MFP on top.

How long does it take to go live?

Most customers ship their first Intelo Agent Team against live data in one quarter. The MFP team is often the second to deploy, after Merchant Analytics, so the plan can be built against a clean demand signal. Expansion to Assortment, In-Season, and Pricing happens without a new sales cycle.

Who should use MFP: planners, Directors, or the VP of Planning?

All three. Planners use the workspace to review and approve recommendations. Directors use scenario planning to test allocation of OTB across departments. VPs and CMOs use the business planning view to see where the plan is drifting against enterprise targets. Each role sees the same numbers, cut at their level of granularity.

Can I run just MFP, or do I need the full Agent Network?

You can run just MFP. Every Agent Team delivers standalone value. The compounding benefit comes when MFP learns from Merchant Analytics, aligns with Assortment Planning, and commits to In-Season Management, but it is not a prerequisite.

How do planners trust the agent's recommendations?

Every recommendation is explainable. Planners can see which inputs drove it (demand signal, in-season actuals, OTB tolerance), ask the agent to re-run it under different assumptions, and override in plain language. Every override becomes a new signal that sharpens future recommendations.