Dashboard
Overview of customer portfolio metrics and key performance indicators
Total Customers
4,281
Total AUM
$748.2M
Avg. Credit Score
724
High Risk (T4/T5)
12.4%
AUM by Product
Customer Segments
Risk Distribution
T1
45%
T2
28%
T3
15%
T4
8%
T5
4%
Product Analysis
Detailed breakdown of customer portfolio by product type
SCF
$261.9M
Secured TL
87.1M
Unsecured TL
49.6M
BNPL
49.6M
Monthly AUM Trend by Product
Key insights:
- SCF has shown consistent growth at 10.2% over the last 6 months
- BNPL is the fastest growing product segment at 15.7%
- Unsecured TL has experienced a slight decline of 2.1%
Product Performance by Segment
Segment Breakdown
Analysis of customer segments based on credit profile and behavior
Average Credit Score
724
Avg. Payment Delay
4.8 days
Avg. Credit Utilization
67.2%
Customer Segments
Key insight: 36% of your portfolio consists of Super Prime customers. This represents a 2.4% increase from last month.
Segment Performance Metrics
| Segment | Avg Credit Score | Avg Delay (days) | Utilization | Delay Frequency | Score Drops |
|---|---|---|---|---|---|
|
Super Prime
|
835 | 0.4 | 42% | 0.2/month | 0.1/month |
|
Super Prime - Low Util
|
822 | 0.8 | 18% | 0.3/month | 0.2/month |
|
Prime
|
742 | 2.1 | 58% | 0.6/month | 0.4/month |
|
Prime - Low Util
|
738 | 2.5 | 24% | 0.7/month | 0.5/month |
|
Near Prime
|
682 | 4.6 | 72% | 1.2/month | 0.8/month |
|
Near Subprime
|
635 | 8.2 | 84% | 2.1/month | 1.3/month |
|
Very Poor
|
580 | 12.5 | 92% | 3.4/month | 2.1/month |
|
Undefined
|
-- | -- | -- | -- | -- |
Segment Migration (Last 3 Months)
Segment Distribution by Product
SCF
Secured TL
Unsecured TL
BNPL
Risk Analysis
Analysis of customer risk profiles and early warning signals
High Risk (T4/T5)
514
Medium Risk (T3)
642
Low Risk (T1/T2)
3,125
At-Risk AUM (T4/T5)
$86.2M
Risk Score Distribution
T1
45%
1,926 customers
T2
28%
1,199 customers
T3
15%
642 customers
T4
8%
342 customers
T5
4%
172 customers
Risk Score Movement (Last 3 Months)
Risk Distribution by Customer Segment
| Customer Segment | T1 | T2 | T3 | T4 | T5 |
|---|---|---|---|---|---|
| Super Prime | 82% | 15% | 3% | 0% | 0% |
| Prime | 56% | 32% | 10% | 2% | 0% |
| Near Prime | 24% | 38% | 28% | 8% | 2% |
| Near Subprime | 5% | 18% | 42% | 26% | 9% |
| Very Poor | 0% | 6% | 24% | 38% | 32% |
Early Warning Signals
36 alertsSignificant Credit Score Drops
17 customers experienced a drop of more than 50 points in their credit score in the last 30 days
Increased Payment Delays
28 customers have shown an increase in payment delays by more than 7 days compared to their previous average
High Utilization Spike
21 customers have increased their credit utilization by more than 25% in the last 30 days
High Risk Watchlist (T4/T5)
| Customer | Product | Risk Score | AUM | Key Issue | Action |
|---|---|---|---|---|---|
|
ABC Technologies
ID: 67821
|
Unsecured TL | T5 | .85M | Consistent payment delays | |
|
XYZ Retailers
ID: 54328
|
SCF | T5 | $2.41M | Credit score drop (83 points) | |
|
Global Manufactures
ID: 78912
|
Secured TL | T4 | $3.62M | High utilization (94%) | |
|
Smart Solutions Inc.
ID: 41592
|
BNPL | T4 | .18M | Frequent small delays | |
|
Innovative Healthcare
ID: 62481
|
Unsecured TL | T4 | $0.95M | Credit score drop (62 points) |
Insights & Recommendations
Geographic distribution and regional performance analysis
North Region
$235.6M
South Region
96.7M
East Region
68.3M
West Region
47.6M
Geographic Distribution
Top Region
North (31.4%)
Top City
Chicago ($86.3M)
Fastest Growing
Austin (+12.7%)
Highest Risk Area
Detroit (T4: 17%)
Top Cities by AUM
| City | Region | AUM | Customers | Avg. Risk | Growth |
|---|---|---|---|---|---|
|
Chicago
North
|
North
|
$86.3M | 486 | T2 | +7.2% |
|
New York
East
|
East
|
$76.9M | 412 | T2 | -1.3% |
|
Atlanta
South
|
South
|
$65.4M | 378 | T2 | +5.8% |
|
Los Angeles
West
|
West
|
$58.7M | 326 | T3 | +6.2% |
|
Dallas
South
|
South
|
$48.2M | 287 | T2 | +4.3% |
|
Boston
East
|
East
|
$42.1M | 243 | T1 | -0.7% |
|
San Francisco
West
|
West
|
$39.8M | 218 | T1 | +3.8% |
|
Detroit
North
|
North
|
$36.4M | 198 | T4 | +2.1% |
Key Geographic Insights
- North region represents 31.4% of total portfolio AUM with highest growth rate at 7.2%
- East region shows slight decline (-1.3%) driven primarily by decreased performance in New York and Boston
- Detroit shows highest risk concentration with 17% of portfolio in T4 risk category
- Austin (South) is the fastest growing city with 12.7% monthly growth but small overall portfolio share (1.6%)
Product Distribution by Region
45%
20%
18%
17%
32%
25%
17%
26%
30%
32%
18%
20%
28%
22%
25%
25%
Strategic Recommendations
- Accelerate growth in Austin through increased marketing initiatives with high potential for BNPL products
- Investigate East region performance decline and implement targeted retention strategies for New York and Boston
- Implement enhanced risk management protocols in Detroit due to high concentration of T4 risk customers
- Leverage North region's success in SCF products to develop best practices for other regions
- Consider balancing product mix in South region to reduce BNPL concentration (currently 26%) due to higher risk profile
Trend Analysis
Historical performance and trend analysis across portfolio segments
AUM Growth (YTD)
+15.7%
Customer Growth (YTD)
+9.2%
Avg Portfolio Risk
1.94
Avg Payment Delay
4.8 days
AUM & Customer Trends
Segment Distribution Trends
Key Segment Shifts
- Super Prime segment increased by 3.2 percentage points over the last 6 months
- Very Poor segment decreased by 1.8 percentage points, indicating improved portfolio quality
- Undefined category reduced, showing improved data quality and classification
Product Growth Comparison
SCF
+17.8%
Secured TL
+12.2%
Unsecured TL
+9.1%
BNPL
+24.5%
Product Growth Insights
- BNPL shows strongest growth but from a smaller base (18% of portfolio)
- SCF remains dominant with solid growth (35% of portfolio)
Risk Migration Trends
Risk Migration Insights
- Net positive migration from higher risk to lower risk categories
- High risk segment decreased by 2.3% overall
Trend Summary & Actions
Key Trend Highlights
- AUM growing faster than customer count, indicating higher average customer value
- Overall portfolio quality improving with risk migration toward lower risk categories
- BNPL product showing strongest growth but remains smaller portion of portfolio
Recommended Actions
- Capitalize on BNPL growth momentum with targeted expansion initiatives while maintaining risk controls
- Analyze drivers behind Super Prime segment growth for potential application across other segments
- Continue to monitor Unsecured TL growth rate which lags other products
Insights & Recommendations
Strategic insights and actionable recommendations to optimize portfolio performance
Portfolio Health Score
82 / 100
Opportunities Identified
24
Risk Alerts
18
Potential AUM Impact
$54.2M
Growth Opportunities
BNPL Expansion for Prime Segment
High ImpactPrime customers show 42% lower utilization of BNPL products compared to market benchmarks.
SCF Cross-Sell to Manufacturing
High ImpactManufacturing customers with Secured TL show high potential for SCF product adoption.
Increase Credit Limits for Super Prime
Medium ImpactSuper Prime customers with consistently high utilization (>85%) are prime candidates for limit increases.
Risk Mitigation
Subprime Concentration in BNPL
CriticalNear Subprime and Very Poor segments represent 28% of BNPL portfolio, up from 21% last quarter.
Rising Payment Delays in Retail
HighAvg payment delay for retail sector increased to 7.3 days from 5.2 days in the last 60 days.
Credit Score Drops in West Region
High18% of customers in West region experienced credit score drops of 30+ points in last 90 days.
Strategic Initiatives
Priority Initiatives
BNPL Product Enhancement
Refined credit decisioning model with better segmentation for BNPL products to improve risk-adjusted returns.
Risk-Based Pricing Model
Implement dynamic pricing based on customer risk profiles to maximize risk-adjusted returns across segments.
Industry Focus Areas
Focus on SCF product expansion with top-tier anchors. Low risk profile with strong growth trajectory.
Monitor closely due to recent payment delay trends. Focus on Prime and Super Prime segments only.
Executive Summary
Portfolio Health Improving
Overall portfolio risk profile has improved by 4.2% in the last quarter with positive migration from high risk to low risk segments.
Image by Ben Rosett (@spiritvisionstudios)