Analytics you can explain to a regulator or a board
Every metric has a written definition, and every number comes from posted ledger entries.
Updated 2026-10-20
Included
- Dashboard: debt under management, arrears, reconciled recoveries, ageing, 12-week recovery trend.
- Roll rates between delinquency buckets and monthly cohorts.
- Recovery by officer and by agency, commissions and expenses.
- Complaint and dispute trends, officer workload and capacity.
- Advisory repayment-likelihood models with versions, metrics, activation and rollback — decision support only.
- Anomaly detection for unusual access, payment or messaging patterns.
Pending or unposted payments are never counted as recovered.
Questions
Do models make decisions automatically?
No. Scores and projections are advisory and explainable. People decide, and approvals still apply.