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AI Risk Alert
High Priority3 borrowers show increased default probability. 12 EMIs due today with collection risk. Review recommended.
Total Portfolio
$12.8M
Active Loans
2,847
BNPL Volume
$3.2M
Collection Rate
94.7%
On-time
87.2%
Late
7.5%
Default
5.3%
Today's EMIs
$287K
New Borrowers
47
Collected
$241K
Overdue
$46K
Portfolio Performance
Loan disbursements & collections trend
Loan Distribution
By loan type
Recent Loan Applications
Latest applications requiring review
| Borrower | Amount | Type | AI Score | Status | Action |
|---|---|---|---|---|---|
|
Sarah Johnson LN-2024-8847 |
$15,000 24 months |
Personal |
A
780
|
Pending | |
Michael Chen LN-2024-8846 |
$8,500 12 months |
BNPL |
A+
820
|
Approved | |
Emily Davis LN-2024-8845 |
$25,000 36 months |
Business |
B
680
|
Under Review | |
James Wilson LN-2024-8844 |
$5,000 6 months |
BNPL |
C
580
|
Rejected | |
|
Sarah Johnson LN-2024-8847 |
$15,000 24 months |
Personal |
A
780
|
Pending | |
|
Michael Chen LN-2024-8846 |
$8,500 12 months |
BNPL |
A+
820
|
Approved | |
|
Emily Davis LN-2024-8845 |
$25,000 36 months |
Business |
B
680
|
Under Review |
AI Credit Scoring
742
Risk Alerts
High Default Risk
3 borrowers flagged by AI model
Overdue EMIs
12 payments pending >7 days
KYC Expiring
8 borrowers need re-verification
Quick Actions
Today's Activity
LiveNew loan approved
$15,000 for Michael Chen • 2m ago
EMI collected
$450 from Sarah Johnson • 15m ago
Risk alert triggered
Payment behavior anomaly • 32m ago
BNPL plan created
$2,400 at TechMart • 1h ago
EMI Calendar - November 2024
Collection Summary
Disbursement Rate
92.4%
+5.2% vs last month
Avg. Loan Size
$8,450
+$340 growth
Avg. Processing Time
2.4 hrs
-18 min faster
Repeat Borrowers
38.7%
+4.1% increase
Loan Volume Trend
Applications vs Approvals vs Disbursements
Borrower Demographics
Age distribution of borrowers
Geographic Distribution
Loan distribution by region
$4.2M
North Region
+12%
$3.8M
South Region
+8%
$2.9M
East Region
-3%
$1.9M
West Region
+15%
Channel Performance
Mobile App
45% of applications
Web Portal
32% of applications
Partner Network
18% of applications
Branch
5% of applications
Loan Product Analysis
Performance by loan type
| Product | Total Volume | Active Loans | Avg. Amount | Interest Rate | Default Rate | Growth |
|---|---|---|---|---|---|---|
|
|
$5.8M | 1,247 | $12,500 | 14.5% | 2.1% | +12.4% |
|
|
$3.2M | 2,156 | $1,480 | 0% | 1.8% | +28.7% |
|
|
$2.9M | 312 | $28,400 | 16.2% | 4.2% | +8.1% |
|
|
$0.9M | 892 | $850 | 18.5% | 6.8% | -2.3% |
94.7%
Collection Rate
Target: 95%
2.4h
Avg. TAT
-18% faster
87.3%
Approval Rate
+3.2% MoM
4.7/5
Customer Score
+0.2 increase
3.2%
NPA Ratio
+0.4% risk
Collection Efficiency
Monthly collection vs target
Processing Time Distribution
Loan application to disbursement
Team Performance
Collection agent performance metrics
| Agent | Team | Assigned | Collected | Amount | Success Rate | Performance |
|---|---|---|---|---|---|---|
|
Amit Kumar Senior Agent |
Collections A | 156 | 148 | $89,400 | 94.9% |
|
|
Priya Sharma Agent |
Collections B | 142 | 131 | $76,200 | 92.3% |
|
|
Rahul Verma Agent |
Collections A | 128 | 112 | $64,800 | 87.5% |
|
|
Sneha Gupta Junior Agent |
Collections B | 98 | 79 | $42,100 | 80.6% |
|
Daily Targets
Weekly Summary
247
Loans Disbursed
$2.1M
Total Value
892
EMIs Collected
18
Escalations
SLA Compliance
AI-Powered Risk Intelligence
Real-time machine learning predictions analyzing 50+ risk factors across your portfolio
Model Accuracy
94.7%
Last updated: 2 min ago
Low Risk
1,842
64.7% of portfolio
Medium Risk
724
25.4% of portfolio
High Risk
281
9.9% of portfolio
AI Predictions
12.4K
This month
Default Probability Forecast
30-day rolling prediction by AI model
Score Distribution
High Risk Alerts
Rajesh Kumar
LN-2024-7823
Anjali Mehta
LN-2024-7654
Vikram Tiwari
LN-2024-7891
Smart Recommendations
Increase Credit Limit
247 borrowers eligible for credit increase based on payment behavior
Proactive Outreach
Contact 38 borrowers showing early warning signs before they miss payments
Loan Restructuring
12 accounts may benefit from EMI restructuring to prevent default
Cross-Sell Opportunity
156 BNPL users qualify for personal loans based on repayment history
Churn Prediction Analysis
Borrowers likely to close accounts or default
| Borrower | AI Score | Churn Prob | Risk Factors | Action |
|---|---|---|---|---|
|
Manoj Kumar $12,400 outstanding |
524 | 92% |
Inactive 45d
Complaints
|
|
|
Sunita Devi $8,200 outstanding |
612 | 78% |
Reduced Usage
Late Pays
|
|
|
Arun Patel $5,800 outstanding |
648 | 65% |
Job Change
Query Pending
|
|
Manoj Kumar $12,400 outstanding |
524 | 92% |
Inactive 45d
Complaints
|
|
Sunita Devi $8,200 outstanding |
612 | 78% |
Reduced Usage
Late Pays
|