Early-warning watchlist · customer is currently up-to-date · model predicts a miss in 26d (91% probability).
very highRohan Silva
PFNA-2025-1117 · Loan · 2025 Porsche Macan EV · US
Status
Current
0 DPD · up to date
Next due
15 May
$1,307.00
Outstanding
$78,420.00
Payoff $78,420.00
Last paid
On time
Loan 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
Rohan is currently up-to-date on a loan for a 2025 Porsche Macan, with 22 consecutive on-time payments. Last payment landed 17 days ago and the next instalment is due in 8 days. The predicted-miss model fired today — macro signal: Telematics shows reduced commute pattern — possible job change. Probability of a missed payment in the next 26 days is 91% (very high confidence). This is a watchlist case — Rohan 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 83% · 1 late · 0 missed · streak 10 mo
Past 12 months83% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days46% to early
Today
+14d
On timeLateMissedPredicted: Early · 46%
If we act now — predicted outcome
- No action46%
- 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 26 days
Telematics shows reduced commute pattern — possible job change.
Ability to pay
25
/ 100
Willingness
47
/ 100
Top contributing signal
Macro
Streak so far: 22 on-time months · last paid 17d ago
Ability × Willingness
Hardship · 50% / 73%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
50%
Willingness to pay
propensity
73%
QuadrantHardship
Hardship case · willing but constrained. Open hardship pathway, restructure or payment-holiday before harder action.