Portfolio
SN
Early warning
Early-warning watchlist · customer is currently up-to-date · model predicts a miss in 18d (89% probability).
very high

Kanya Cohen

PFNA-2025-1117 · Loan · 2025 Porsche Macan EV · US

Pre-delinquency
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

Kanya is currently up-to-date on a loan for a 2025 Porsche Macan, with 10 consecutive on-time payments. Last payment landed 10 days ago and the next instalment is due in 23 days. The predicted-miss model fired today — macro signal: Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. Probability of a missed payment in the next 18 days is 89% (very high confidence). This is a watchlist case — Kanya 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
  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 days45% to early
Today
+14d
On timeLateMissedPredicted: Early · 45%
If we act now — predicted outcome
  • No action
    45%
  • 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

89% likely to miss in 18 days

Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days.
Ability to pay
15
/ 100
Willingness
57
/ 100
Top contributing signal
Macro
Streak so far: 10 on-time months · last paid 10d ago
Forward-looking · model refreshed daily · no collections action triggered
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.

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