Real-time insights across the full portfolio
Dashboards span origination to collections with IFRS9 provisioning and regulatory outputs. Strategy Agent surfaces insights and optimisation opportunities automatically-act on data, not intuition.
Portfolio Dashboards
Standardised and customisable views across the full lifecycle. Pre-built dashboards cover funnels and arrears. Filterable by product and cohort. Build custom views or use standardised board packs.
- Pre-built lifecycle dashboards
- Multi-dimensional filtering
- Drag-and-drop widget builder
- Board-ready report packs
Applications
1,842
+12% vs last month
Approval Rate
67%
2,463 approved
Auto-decisioned
78%
1,920 auto-approved
Collection Rate
94%
On-time payments
Applications This Quarter
IFRS9 Calculation
Expected Credit Loss
£847,392 | Stage 1: £234k | Stage 2: £456k | Stage 3: £157k
Bureau Reporting
Performance Data Export
Sent to Experian, Equifax, Transunion, auto-scheduled
FCA Returns
Regulatory Compliance Reports
Auto-generated with full audit trail
Board Packs
Executive Summary Reports
Monthly overview with KPI highlights
Regulatory Reporting
IFRS9, board packs, bureau reporting and Consumer Duty outcomes monitoring-all standardised. The FCA’s outcomes review asks firms to evidence not just what they measure but what they changed as a result: issue identified, cause understood, action taken, effect tested. Every figure carries its lineage, so that chain is a report rather than a reconstruction.
- Automated IFRS9 calculations
- Consumer Duty outcomes monitoring
- Bureau reporting automation
- Full audit trail & lineage
- Quarterly compliance ready
Strategy Agent
AI surfaces insights and optimisation areas automatically. Strategy Agent analyses portfolio, identifies hidden patterns and recommends actions with projected impact.
- Continuous portfolio analysis
- Pattern detection across cohorts
- Actionable recommendations with impact
- Opportunity prioritization
Insight #1
Decline-to-fund Conversion Trending Down
Conversion dropped 4% this month. Root cause: Tightened affordability criteria in Q1 may be too conservative.
Recommended Action: Review affordability thresholds
Insight #2
Untapped Upsell Opportunity in Decline Pool
223 declined unsecured applicants match your secured product criteria. Estimated conversion: 12-18%.
Recommended Action: Launch counter-offer campaign
Insight #3
Arrears Spike in April 2023 Vintage
90+ DPD rate increased to 8.2%. Cohort likely affected by cost-of-living impacts.
Recommended Action: Proactive hardship support
Portfolio Level
Drill: By Vintage
Further Drill: By Product
Deep Dive: Individual Account
Loan #847392
Balance: £4,328 | Status: 90+ DPD | Last Payment: 87 days ago
Granular Breakdowns
Drill from portfolio trends to individual borrowers by vintage, product or risk band. Click arrears spikes to see driving cohorts and drill into accounts. Export to CSV, PDF or API.
- Multi-dimensional drill paths
- Click-through to root cause analysis
- Account-level detail visibility
- CSV, PDF & API exports
Strategy Agent
Strategy Agent monitors portfolio health and surfaces opportunities. Identifies concerning trends, highlights unexpected patterns and recommends strategic actions grounded in data.
Monitors
Portfolio health metrics
Surfaces
Trends & opportunities
Recommends
Strategic actions
Outcomes monitoring
What this surfaces in practice
Reporting that changes a lending decision has to be specific enough to lose an argument. These are observed rates from an outcomes analysis of one lender’s declined applicants, the population most books stop watching at the point of decline.
33%
of declined applicants had drawn credit elsewhere within 60 days of the decision.
19%
reached sub-prime or high-cost short-term credit in the same window.
41.4%
of declined top-ups substituted elsewhere, against 31.0% of declined new applicants, a growth question and an arrears question in one finding.
Reported as rates. Client, volumes and monetary values withheld.