Creditcrest Book and reports
Your book and funnel from the ledger, with guardrails that pause growth when harm moves.
The book, counted honestly.
The book by arrears band, vintages, the funnel and cost per funded loan.
What you do here. See an example book by arrears band and vintage, the funnel, and the cost of each funded loan.
Try it end to endTake the tour- You bring
- The ledger, and funnel events with no personal information
- You get
- The book by arrears band, and cost per funded loan
- Holds the line
- Growth pauses when complaints or arrears move
The book
Outstanding, arrears by days-past-due band, vintages and collections expected against collected, on any day, from the LoanManager ledgers; for a funder, a loan tape and a borrowing base. POST /v1/loanmanager/book.
An example month
| Step | People | From the step before |
|---|---|---|
| Apply Started | 400 | |
| Contact Started | 310 | 77.5% |
| Mobile Verified | 280 | 90.3% |
| Email Verified | 262 | 93.6% |
| Identity Verified | 240 | 91.6% |
| Bank Connected | 190 | 79.2% |
| Financial Review Started | 180 | 94.7% |
| Application Submitted | 168 | 93.3% |
| Application Approved (the lender’s own recorded outcome) | 92 | 54.8% |
| Contract Signed | 81 | 88.0% |
| Loan Funded | 78 | 96.3% |
19.5% of the people who started were funded.
Guardrails — paused
- hardshipIncidence is 0.07, over the lender’s limit of 0.05.
- No figure for unsubscribeRate was reported, so it cannot be said to be inside its limit.
Growth activity pauses until every measure is back inside its limit.
What no experiment may change
eligibility, serviceability, credit policy, fees, disclosures, declarations, urgency, the control group’s treatment.
Events refuse personal information: a property that looks like a name, an email address, a phone number or an identity document is not kept. The reminder journeys are with Creditcrest Portal.