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Loading… · all figures in PKR

Date Filter

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Total Customers

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Total Defaulters (NPL)

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NPL Volume

PKR

Lifetime

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Loans Disbursed

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Total GLP

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Today's Recovered Amount

Today's Pulse

Portfolio Health · Lifetime by Term

Customer Type

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Month on Month · Overdue Rate

Overdue Rate by month

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Last 3 disbursement-cohort months — the most recent month or two will naturally read lower simply because those loans haven't had time to age into arrears yet.

Daily Monitoring

Customer Type Date Filter

Rate Trends

Daily Volume

Application Funnel

Customer Transactions

Decision Date	Phone Number	Customer Type	Decision Code	Credit Score	Comment

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Disbursement

Customer Type Finance Type Date Filter Compare to another period

Disbursement Trend

By Term

Gender

Term	NTB	NTC	RTB	Unattributed	Grand Total
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By Age & Gender

Dpd Range

By Sub-Occupation

Occupation Dpd Range Province Gender

#	Sub-Occupation	Volume
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By Occupation & Education

Gender Dpd Range

Education	Government Employee	Private Job	Self Employed	Labour	Others	All
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By Occupation & Salary

Gender Dpd Range

Salary Range	Government Employee	Private Job	Self Employed	Labour	Others	All
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By Geography

High Risk Cities Province Gender Dpd Range

#	City	Volume
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Ticket Size Distribution

Loan Status Dpd Range

Ticket Size (PKR)	Volume
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By Merchant

Merchant	Whitelisted	1 Loan	>1 Loan	Total Disbursed	Active	Active in Arrears	Closed	Overdue Rate	NPL Rate
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RTB customer loan-step retention — how many customers return for another loan, and how many stop coming back. Computed from the full loan-history sequence per customer; refreshed periodically, not on every page load.

Churn depth — how many loans did churned customers take first?

Of customers currently classified as churned, segmented by total loans completed before they stopped returning.

Churn window

No return within this many days after repayment counts as churned.

30days

Churn rate by loan step

% of customers at this step who did NOT return within the churn window. Customers whose most recent loan is still within the window are excluded (too soon to tell), not counted as retained.

Customer outreach report

Currently-churned customers with their reconstructed credit score against the current cutoff — for prioritizing win-back outreach. Fixed at the 30-day window (recomputing per window would rerun the full scoring pipeline).

Segment Cutoff Search

Customer name	Phone	CNIC	Segment	Score	Would pass?	Last loan amount
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Portfolio

Customer Type Finance Type Date Filter

Portfolio by Tenor

Dpd Range Restructured Loans

Term	Active	Active in Arrears	Closed	Grand Total
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Portfolio by Loan Count

Min. Loan Count

Customers grouped by their lifetime loan count (all-time, not affected by the date filter above) — the date filter scopes which of their loans' volumes appear in each row.

Loan Count	Unique Customers	Disbursement	Active (Vol)	Active in Arrears (Vol)	Closed (Vol)	NPL (Vol)	Default Rate
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Risk & Defaults

Finance Type Term Repayment Type Restructured Loans Customer Type Date Filter

Default Trend

Show From Show To

Each column is loans disbursed that month — every row reflects that cohort's status right now, not back when it was disbursed. "Show From/To" narrows which months are displayed — the KPI cards above still reflect every month in the date filter.

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Risk by Ticket Size

Loan Status Dpd Range

Loan Amount (PKR)	Disb Count	Unique Customer	Default Count	Disb (% of Total)	Closed Amount	Disbursement	NPL (Vol)	Default Rate
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Risk by City

Min Default Rate % Max Default Rate %

Default Rate = NPL Volume ÷ Disbursement, per city. Uses the Customer Type / Finance Type / date filters above — no other filter beyond that.

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Credit Scoring

Customer Type Date Filter

Risk by Credit Score

Finance Type

Score bands match the business's existing credit-scoring bins (0–500+). A loan only appears here if it's linked to a scoring response with a numeric credit score.

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PAR Analysis

Finance Type Loan Status

PAR (Portfolio at Risk) buckets are cumulative — PAR7 is every loan overdue at all, PAR30+ is the worst bucket alone (same as NPL elsewhere). Each is shown as a % of Outstanding on the selected Volume/Count basis, scoped to the Loan Status filter.

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Recovery

Customer Type Repayment Type Restructured Loans Term Date Filter (Paid Date) Compare to another period

Recovery Trend

Recovery Analysis

By loan amount. Inorganic = paid within the call centre's outreach window relative to the due date (T); outside it (including well past the end) is Organic. The window itself has changed over time and each payment uses whichever one applied on its own paid date — see Settings > Organic/Inorganic Windows for the current and historical definitions. Want to try a different window for a specific date range instead? Use the Organic/Inorganic Calculator tab.

By Loan Amount

Loan Amount Bin	Recovered	Cool Off Paid	NPL Paid	Organic	Inorganic	On Time	Overdue
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By DPD

Each row is one exact days-past-due value relative to the due date (T) — T-30 catches everything 30+ days early, After T+30 catches everything already counted as NPL.

DPD Bucket	Recovered Count	Cool Off Count	Cool Off Paid	NPL Closed Count	Recovered Amount	Organic Count	Organic Volume	Inorganic Count	Inorganic Volume	On Time Count	On Time Volume	Overdue Count	Overdue Volume
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By Disbursement

Disbursement Month	On Time	Overdue 1–30	NPL	Recovered Amount
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By Loan Number

Loan Count	RTB	NTB	NTC	Unattributed	Grand Total
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Daily Recovery Rate

Month

No filters applied

Customer Types Portfolio Type Finance Type Tiers Gender Salary Bracket Occupation Sub Occupation

Live figures recompute on every load; Snap is the frozen next-morning record for that day — it always reflects the whole portfolio and doesn't narrow with the filters above. Best/Worst shows that day's best- and worst-performing ticket-size tier (needs at least 5 loans due in a tier that day to be shown, so a single loan can't misrepresent a whole tier). Click a day to see the full Live / Snap / Δ breakdown.

Recovery Rate ≥ 85% 80–85% < 80% Normal volume Low volume (< 500 due)

SunMonTueWedThuFriSat

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Recovery Vintage Matrix

From Month Weeks Term

Total recovered, by the month it landed in (row) and day-of-month it landed on (column). Reading down a column compares that day-of-month across months; reading across a row shows a month's recovery day by day. All-time data, not affected by the date filter above — use From Month to limit which months are shown.

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Reports

Master Report

Date range is the loan's disbursement date. Installment-level — a loan with multiple installments gets one row per installment.

From To 0 columns selected

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Export Disbursement Cluster Report

Every Application Features column (the same set finalized above) for everyone in one occupational cluster. Defaults to all history — narrow the dates below if a cluster comes out too large to email.

Cluster From To

Export Whitelisted Customers Report

Merchant

Export RTB Churn Outreach Report

Currently-churned customers with their reconstructed credit score against the current cutoff. Downloads immediately — not emailed.

Segment Cutoff Download CSV

Table Reports

Report

Settings

Super admin · control which tabs each teammate can see

Create a user

Full name

Username

Email — required to receive emailed reports

Temporary password

Role label

Grant super admin access (can create and manage other users)

Tab access — check every section this user should see

Home Daily Monitoring Credit Scoring Settings

Tabs with selective access — check the tab, then only the specific sections this user should see within it

Table Reports this user will be able to export — each follows the section checkboxes above, there's no separate grant

Team members

Name	Username	Email	Role	Tab access	Status	Actions
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Report Export Notifications

When	Exported By	Report / Table	Rows	Status
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Organic/Inorganic Windows

The call centre's outreach window relative to the due date (T) — a payment inside it is Inorganic, outside it (including well past the end) is Organic. This window changes from time to time, so every payment across Recovery is classified using whichever window was in effect on its own paid date: adding a new one below only affects payments made from its effective date onward — history already reported stays exactly as it was.

Effective From	Start (T offset)	End (T offset)
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Start (T offset, e.g. -1)

End (T offset, e.g. 15)

Effective from

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