Portfolio
SN
Early warning
Early-warning watchlist · customer is currently up-to-date · model predicts a miss in 22d (91% probability).
very high

Ingrid Whitman

PFNA-2025-0521 · Hire-purchase · 2022 Porsche Cayenne Coupe · ID

Pre-delinquency
Status
Current
0 DPD · up to date
Next due
15 May
Rp 21.333.333
Outstanding
Rp 1.280.000.000
Payoff Rp 1.280.000.000
Last paid
On time
Hire-purchase since 2024
01
Pre-delinquency
Current, watching
02
Early-stage
1–30 DPD
03
Mid-stage
31–90 DPD
04
Late-stage
91+ DPD
05
Recovery
Post charge-off
06
Closure
Resolved
Why on the watchlist

Ingrid is currently up-to-date on a hire-purchase for a 2022 Porsche Cayenne, with 6 consecutive on-time payments. Last payment landed 1 days ago and the next instalment is due in 3 days. The predicted-miss model fired today — cashflow signal: Salary-deposit pattern slipped 4 days this month — predicted shortfall on next cycle. Probability of a missed payment in the next 22 days is 91% (very high confidence). This is a watchlist case — Ingrid has not gone delinquent and no collections action is appropriate yet. Goal: subtle, helpful nudges that prevent a first miss.

Repayment trajectory

12 months back · 14 days forward

On-time 75% · 2 late · 0 missed · streak 6 mo

Past 12 months75% on time
  1. May
  2. Jun
  3. Jul
  4. Aug
  5. Sept
  6. Oct
  7. Nov
  8. Dec
  9. Jan
  10. Feb
  11. Mar
  12. Apr
Now
Next 14 days46% to early
Today
+14d
On timeLateMissedPredicted: Early · 46%
If we act now — predicted outcome
  • No action
    46%
  • Soft touch (SMS / email reminder)
    28%-18pp
  • Full treatment (NBA + payment plan offer)
    12%-34pp
Top contributing factors
  • DPD trajectory · 0d+0.18
  • Asset value vs payoff (LTV)+0.14
  • Channel responsiveness · soft+0.08
Predicted miss · very high confidence

91% likely to miss in 22 days

Salary-deposit pattern slipped 4 days this month — predicted shortfall on next cycle.
Ability to pay
21
/ 100
Willingness
57
/ 100
Top contributing signal
Cashflow
Streak so far: 6 on-time months · last paid 1d ago
Forward-looking · model refreshed daily · no collections action triggered
Ability × Willingness

Self-cure · 57% / 86%

HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
57%
Willingness to pay
propensity
86%
QuadrantSelf-cure

Self-cure cohort · light-touch AI nudge to portal, no human intervention required.

2×2 segmentation · Experian PowerCurve framing · refreshed every nightly batch