Your key accounts, tracked for momentum. One card per account — add as many as your book needs. Group subsidiaries under their parent company, segment by spend or by number of sub-accounts, and keep every relationship, risk, rate and next action in one place. Update at each check-in — the story of each account lives here.
The view from above. Your portfolio at a glance — the growth story across all accounts, and a single risk register so nothing slips. Use this for your own clarity and to walk leadership through where the book stands.
Share the whole book
Generate a clean status summary of every account — to email a colleague or hand to your manager.
Growth story
What's moving, and why — across the whole book this period.
Risk register
Every live risk across the portfolio, with owner and mitigation.
Account
Risk
Level
Mitigation / next action
My target, this quarter. Set where you need to be, see where you actually are, and let the book flag itself — every account already marked High risk or Cooling shows up below automatically. No separate tracking.
Quarterly target
Baseline vs target — update the baseline as the quarter moves.
Live flags
Pulled automatically from every account's Risk and Sentiment fields in Key Accounts.
Objection handling. The conversations that come up across your book — not for closing new deals, but for protecting and growing the accounts you already have. Each one: what they actually say, and how to respond.
The objection
"Our cost per lead feels too high for our sector — we're paying well over what we'd expect."
How to respond
Never defend cost-per-lead in isolation — it means nothing without conversion quality and deal value attached. Ask where their comparison number comes from before you argue with it. Bring three numbers, not one: cost per lead, lead-to-sale conversion rate, and average value per converted lead. If the raw number is high, explain why (channel, targeting, sector) and what's already being tightened.
The objection
"We're getting volume, but these leads have no value — very few convert and the quality is poor."
How to respond
This is a different objection from cost, and needs a different answer — don't reach for the spend numbers. Ask what "low value" actually looked like in practice: not sales-ready, wrong sector, never responded? Then separate volume from qualification together — agree what a qualified lead means for them specifically, and track against that, not raw count.
The objection
"Your pricing is higher than [competitor]'s."
How to respond
Acknowledge the comparison is fair to raise — don't get defensive. Ask what they're actually comparing: like-for-like service, or just the headline number? Separate price from total cost of ownership, including switching disruption and what's included that a cheaper option isn't.
The objection
"It doesn't seem to be working."
How to respond
Treat this as a flag precisely because it's vague — don't respond to a feeling with a guess. Ask directly: "Help me understand what 'not working' looks like to you — volume, quality, speed, conversion?" Then come back with the specific data that answers their specific concern, not a general performance summary.
The objection
"Competitor X has a similar product for this."
How to respond
Stay calm and curious, not defensive — and don't improvise. Before the conversation, spend ten minutes actually looking at them: pricing, what they're weak on (support, proof, speed, integration), and where the real gap is. Then respond from specifics, not generic reassurance. Ask what's appealing about them specifically, and reframe to relationship, track record and the real cost of switching — disruption, ramp-up, lost history — rather than badmouthing the competitor.
The objection
"How do I know it's working?"
How to respond
This is a request for evidence, not reassurance — treat it as one. Come prepared with a clear before/after or trend view, not a one-off snapshot. If you don't have strong attribution to hand right now, that's the actual problem to fix before the next conversation, not something to talk around.
The objection
"If we reduce our spend, what's our contract notice?"
How to respond
Answer the factual question honestly and clearly — no surprises, no stalling. Then ask the real question underneath it: "Is reducing spend something you're actively weighing up? I'd rather understand what's driving that now, while we can still talk through options."
The objection
"What can you do for us?"
How to respond
This usually means "convince me you understand my business, not just your product." Don't open with a generic feature list. Lead with what you already know about their specific situation, then offer one or two concrete next moves built around that — not a menu.
The objection
"We can't see value for money — it doesn't seem to be gaining any traction."
How to respond
This needs a value conversation, not a feature conversation. Reconnect spend to outcomes in their language, against their KPIs, not yours. If the account is genuinely underperforming, own that directly and bring a plan — defending a number that isn't landing erodes trust faster than admitting it.
The objection
"We need to cut spend — this looks like the obvious one to drop."
How to respond
The highest-stakes conversation — they've already mentally filed you as the cut. Don't panic-sell. Acknowledge the budget pressure as real. Ask what they're optimising for: lowest cost, lowest risk, or lowest disruption? If a scaled-down option exists, offer it before they have to ask. Get a clear decision timeline so you're not blindsided.
From the automotive frontline
Drawn from thirty years running multi-site automotive accounts — the conversations that don't show up in a generic sales playbook because they're specific to a shared-lead marketplace, not a single-vendor relationship.
The objection
"We're bidding against other dealers for the same lead."
How to respond
Don't pretend exclusivity that doesn't exist — that destroys trust the moment they find out otherwise. Be straight about how the marketplace works. Then shift the conversation to what they actually control: speed, follow-up quality and offer competitiveness, because that's what wins a shared lead, not the platform.
The objection
"By the time we call, they've already gone with someone else."
How to respond
This is a speed-to-lead problem, not a lead-quality problem — treat it as one. Ask what their actual response time is, in minutes, not "fairly quick." Bring data on how response time correlates with conversion in their account specifically. If their process is the bottleneck, say so plainly — it's fixable and it's in their control, not yours.
The objection
"This is racing us to the bottom on price within your own platform."
How to respond
Take this seriously — it's a structural concern, not just a complaint. Acknowledge that visible competition can pressure margin; don't argue otherwise. Reframe: the alternative to a transparent marketplace is usually worse — opaque lead costs with no visibility at all. Point to differentiation levers that don't rely on price: speed, service, trade-in offers, finance options.
The objection
"We've got more leads than stock to sell against right now."
How to respond
This is the account telling you demand has outpaced supply — a good problem, but still a risk if it sits unaddressed. Don't just sympathise; help them decide whether to pause or throttle spend short-term, or hold steady for when stock catches up. Document the conversation either way, so a later "we paid for leads we couldn't use" complaint doesn't land as a surprise.
The quarterly snapshot. Status of every account, the variance up or down versus last quarter, and the opportunities in play. This is your QBR in one screen — the numbers and the narrative side by side.
Account benchmark
Status, spend this quarter, variance vs last, and the live opportunity.
Account
Status
Spend (Q)
Variance
Key opportunity
Quarter summary
What great looks like. This planner is built around four instincts that separate a good account manager from a great one — in any sector. Use this as your standard; every field in the tabs above maps to one of these.
01
The first instinct
Depth, not a single thread
Never rely on one relationship. Build multiple contacts across the account, so one departure can't unravel it. Know who decides, who influences, and who you've never met.
In this planner → relationship health score + stakeholders field
02
The second instinct
Foresight on what's coming
Never be surprised by a renewal, budget cycle, or competitor. Know the dates that matter months out, and open the conversation early — from strength, not scramble.
In this planner → renewal horizon + follow-up dates
03
The third instinct
Momentum & the next action
There is always a next step. Never let an account go quiet by accident. Measure momentum honestly — gaining, holding, or slipping — and act on the answer.
In this planner → momentum tracker + sentiment + next action
04
The fourth instinct
White-space & growth
See what you could sell that you don't yet. Map every account for what it could buy — the next product, site, or team. Growth is a gap you spotted and worked.
In this planner → white-space + opportunities fields
Underpinning all four
Ownership. Carry the number as if it were yours. Don't wait to be asked, don't hide a slipping account, don't blame the client. Lead the relationship — and own the result.
In this planner → the shareable account & book summaries
Part of the SMART Commercial Suite. This planner pairs with the SMART SaaS Commercial Playbook — the team's operating system for how you win, qualify and grow. Track your accounts here against your team's KPI targets there. Together: how to sell, and how to keep and grow what you've sold.
✦ Free with SMART AI. Want to analyse your account data faster? The free SMART AI guide library shows you how — including a worked example, Working With Your Numbers, that turns a book like this into clear decisions. Practical AI fluency, free to start.
Put AI to work on your account book
A capable AI can help you see patterns across your accounts, prepare for reviews, and spot risk earlier — if you brief it well. These prompts use the 4Ds from SMART AI: a clear role, your real account context, a constraint, and a request to show its reasoning so you can check it against what you know.
Replace the [bracketed] parts and paste into whichever AI you use. Never paste anything you're not permitted to — anonymise account names if in doubt.
Spot the account most at risk
Discernment
Use on the Portfolio tab when you want a second read on which relationship is quietly slipping.
You are a seasoned account director. Here's my portfolio at a glance: "[paste each account's status — momentum, renewal date, relationship health, recent signals]". Which one is most at risk of churn or decline, and why? Look past the obvious red flags to the quiet ones — going quiet, single-threaded relationships, slipping engagement. Show your reasoning, and tell me the one conversation I should have this week.
Why this shape: pointing it at the "quiet" signals gets past the accounts already flagged red to the ones drifting unnoticed — where retention is actually won or lost.
Find the white space in an account
Description
Use when you want to grow an account but aren't sure where the real expansion room is.
Act as a growth-focused account strategist. Here's what I know about a key account: "[what they buy now, their business, what's changed for them lately, who I know there]". Where's the credible white space — not a wish list, but expansion that solves a real problem for them? Give me three possibilities ranked by how well they fit the account's actual situation, and for each, the opening question I'd ask to test it.
Why this shape: "not a wish list" and ranking by fit keeps the AI from generating generic upsells, and the opening question makes each idea immediately usable.
Prepare for a key account review
Diligence
Use before a QBR or review meeting to turn what you know into a sharp, honest agenda.
You are my chief of staff, sharp and time-respecting. I have a review coming up with this account: "[paste the account's recent history, wins, issues, and what I want from the meeting]". In under 150 words, give me: the three things worth their time, the one issue I should raise before they do, and the single question that would tell me most about where the relationship really stands. Flag anything I seem to be avoiding.
Why this shape: the word limit forces focus, "raise before they do" builds proactive habits, and "what I'm avoiding" uses AI to catch your own blind spot.
Rehearse a tough objection
Delegation
Use on the Objections tab to practise a pricing or renewal pushback before you're in the room.
Play a tough but fair procurement lead for this account: "[describe the account, the deal, and the objection you're expecting — e.g. pushing hard on price at renewal]". Push me realistically over three or four exchanges. Then step out of role and tell me: where I conceded too early, where I could have anchored on value instead of price, and the one phrase that would have strengthened my position. Be candid.
Why this shape: live role-play builds the reflex better than advice, and the structured critique afterwards turns practice into a specific, usable lesson.
One rule that keeps you safe. AI is a fast thinking partner, but it doesn't know your accounts and it will sound confident when it's guessing. Treat every answer as a well-read colleague's view — useful, worth testing against what you actually know, never the final word. And never paste client data you're not permitted to.