Aisha Khan
PFNA-2025-1117 · Loan · 2025 Porsche Macan EV · US
Arrears
$1,184.00
Days past due
12
Early stage
Next due
15 May
$1,307.00
Outstanding
$78,420.00
Payoff $78,420.00
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
The story so far
Aisha is 12d past due with arrears of $1,184.00 on a loan for a 2025 Porsche Macan.
Repayment trajectory
12 months back · 14 days forward
On-time 75% · 2 late · 0 missed · streak 0 mo
Past 12 months75% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days27% to mid
Today
+14d
On timeLateMissedPredicted: Mid · 27%
If we act now — predicted outcome
- No action27%
- Soft touch (SMS / email reminder)9%-18pp
- Full treatment (NBA + payment plan offer)4%-23pp
Top contributing factors
- DPD trajectory · 12d+0.18
- Asset value vs payoff (LTV)+0.14
- Channel responsiveness · soft+0.08
Vulnerability detection
No elevated signals
- Distress markers in last call37%
- Repeated hardship-page views without applying38%
- Late-night inbound contact attempts19%
- Bureau resilience score declining41%
Ability × Willingness
Hardship · 20% / 73%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
20%
Willingness to pay
propensity
73%
QuadrantHardship
Hardship case · willing but constrained. Open hardship pathway, restructure or payment-holiday before harder action.
Last interaction · 5d ago
Customer agreed to pay arrears within 7 days
Channel
sms
Talk ratio
38 / 62
Duration
2:14