Early-warning watchlist · customer is currently up-to-date · model predicts a miss in 24d (90% probability).
very highOlu Schmidt
PFNA-2025-1042 · Lease · 2024 Porsche Cayenne S · US
Status
Current
0 DPD · up to date
Next due
15 May
$1,017.00
Outstanding
$60,991.00
Payoff $60,991.00
Last paid
On time
Lease 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
Olu is currently up-to-date on a lease for a 2024 Porsche Cayenne, with 24 consecutive on-time payments. Last payment landed 19 days ago and the next instalment is due in 18 days. The predicted-miss model fired today — cashflow signal: Customer engaged hardship explainer twice without applying — leading indicator. Probability of a missed payment in the next 24 days is 90% (very high confidence). This is a watchlist case — Olu 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 3 mo
Past 12 months75% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days45% to early
Today
+14d
On timeLateMissedPredicted: Early · 45%
If we act now — predicted outcome
- No action45%
- Soft touch (SMS / email reminder)27%-18pp
- Full treatment (NBA + payment plan offer)11%-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
90% likely to miss in 24 days
Customer engaged hardship explainer twice without applying — leading indicator.
Ability to pay
10
/ 100
Willingness
54
/ 100
Top contributing signal
Cashflow
Streak so far: 24 on-time months · last paid 19d ago
Ability × Willingness
Self-cure · 69% / 73%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
69%
Willingness to pay
propensity
73%
QuadrantSelf-cure
Self-cure cohort · light-touch AI nudge to portal, no human intervention required.