Early-warning watchlist
480Every customer here is fully current today — zero DPD, on-time payment history. The model predicts they will miss a payment in the next 14–90 days. A nudge now keeps them out of collections later.
Total signals
480
customers flagged · still current
Very high (≥80%)
115
action this week
High (60–79%)
134
action this fortnight
Pending action
192
96 in flight
Estimated rolls prevented
~85
if every very-high / high signal is actioned
Confidence
Predicted miss
| Customer | Confidence | Predicted miss | Driver | Recommended action | Ability / willingness | Status | ||
|---|---|---|---|---|---|---|---|---|
KC | 96% Very high confidence | in 18d 24m on-time streak | Cashflow Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 16 Willing 76 | snoozed | Open → | |
CA | 96% Very high confidence | in 15d 15m on-time streak | Telematics Mortgage / rent direct-debit failure detected on linked accounts. | Schedule callback when borrower next opens portal expected lift +22% | Recovery Ability 2 Willing 28 | resolved | Open → | |
YM | 96% Very high confidence | in 18d 22m on-time streak | Macro Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 16 Willing 76 | in flight | Open → | |
IW | 96% Very high confidence | in 22d 14m on-time streak | Bureau Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 4 Willing 76 | snoozed | Open → | |
JP | 96% Very high confidence | in 22d 12m on-time streak | Cashflow Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 4 Willing 76 | in flight | Open → | |
WT | 96% Very high confidence | in 28d 34m on-time streak | Macro Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Recovery Ability 4 Willing 53 | snoozed | Open → | |
JS | 96% Very high confidence | in 26d 34m on-time streak | Macro Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 16 Willing 76 | snoozed | Open → | |
MK | 96% Very high confidence | in 23d 25m on-time streak | Engagement Mortgage / rent direct-debit failure detected on linked accounts. | Schedule callback when borrower next opens portal expected lift +22% | Recovery Ability 2 Willing 28 | resolved | Open → | |
RS | 96% Very high confidence | in 26d 32m on-time streak | Bureau Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 16 Willing 76 | in flight | Open → | |
RP | 96% Very high confidence | in 14d 24m on-time streak | Cashflow Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 4 Willing 76 | snoozed | Open → | |
NP | 96% Very high confidence | in 14d 22m on-time streak | Macro Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 4 Willing 76 | in flight | Open → | |
PW | 95% Very high confidence | in 15d 13m on-time streak | Engagement Bureau utilisation jumped from 62% → 91% in 30 days. | SMS · payment-method update nudge before cycle date expected lift +11% | Recovery Ability 2 Willing 28 | pending | Open → | |
KC | 95% Very high confidence | in 18d 20m on-time streak | Bureau Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 16 Willing 76 | resolved | Open → | |
IW | 95% Very high confidence | in 22d 10m on-time streak | Macro Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 4 Willing 76 | resolved | Open → | |
LO | 95% Very high confidence | in 23d 23m on-time streak | Behavioural Bureau utilisation jumped from 62% → 91% in 30 days. | SMS · payment-method update nudge before cycle date expected lift +11% | Recovery Ability 2 Willing 28 | pending | Open → | |
JS | 95% Very high confidence | in 26d 30m on-time streak | Cashflow Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 16 Willing 76 | resolved | Open → | |
RP | 95% Very high confidence | in 14d 20m on-time streak | Bureau Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 4 Willing 76 | resolved | Open → | |
EB | 94% Very high confidence | in 28d 32m on-time streak | Bureau Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Recovery Ability 4 Willing 53 | in flight | Open → | |
KC | 93% Very high confidence | in 18d 14m on-time streak | Bureau Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 20 Willing 73 | snoozed | Open → | |
SN | 93% Very high confidence | in 24d 34m on-time streak | Macro Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 27 Willing 86 | snoozed | Open → | |
CA | 93% Very high confidence | in 15d 11m on-time streak | Behavioural Customer initiated 3 portal logins viewing arrears help — early intent signal. | Send WhatsApp · payment-plan pre-offer expected lift +28% | Recovery Ability 2 Willing 28 | pending | Open → | |
YM | 93% Very high confidence | in 18d 18m on-time streak | Cashflow Two soft-credit pulls in last 14 days — multi-lender stress signal. | SMS · payment-method update nudge before cycle date expected lift +11% | Hardship Ability 16 Willing 76 | pending | Open → | |
JP | 93% Very high confidence | in 22d 8m on-time streak | Bureau Two soft-credit pulls in last 14 days — multi-lender stress signal. | SMS · payment-method update nudge before cycle date expected lift +11% | Hardship Ability 4 Willing 76 | pending | Open → | |
JS | 93% Very high confidence | in 26d 24m on-time streak | Cashflow Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 20 Willing 73 | snoozed | Open → | |
AH | 93% Very high confidence | in 16d 14m on-time streak | Bureau Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 27 Willing 86 | snoozed | Open → | |
MK | 93% Very high confidence | in 23d 21m on-time streak | Telematics Customer initiated 3 portal logins viewing arrears help — early intent signal. | Send WhatsApp · payment-plan pre-offer expected lift +28% | Recovery Ability 2 Willing 28 | pending | Open → | |
RS | 93% Very high confidence | in 26d 28m on-time streak | Macro Two soft-credit pulls in last 14 days — multi-lender stress signal. | SMS · payment-method update nudge before cycle date expected lift +11% | Hardship Ability 16 Willing 76 | pending | Open → | |
SM | 92% Very high confidence | in 20d 20m on-time streak | Bureau Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Recovery Ability 4 Willing 53 | resolved | Open → | |
WT | 92% Very high confidence | in 28d 30m on-time streak | Cashflow Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Recovery Ability 4 Willing 53 | resolved | Open → | |
YM | 91% Very high confidence | in 18d 12m on-time streak | Cashflow Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 20 Willing 73 | in flight | Open → | |
OS | 91% Very high confidence | in 24d 32m on-time streak | Bureau Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 27 Willing 86 | in flight | Open → | |
PW | 91% Very high confidence | in 15d 9m on-time streak | Telematics Auto-pay bounce risk model flags account · NSF probability 0.41. | Soft check-in call (no collection language) within 48h expected lift +34% | Recovery Ability 2 Willing 28 | snoozed | Open → | |
KC | 91% Very high confidence | in 18d 16m on-time streak | Macro Salary-deposit pattern slipped 4 days this month — predicted shortfall on next cycle. | Send WhatsApp · payment-plan pre-offer expected lift +28% | Hardship Ability 16 Willing 76 | pending | Open → | |
IW | 91% Very high confidence | in 22d 6m on-time streak | Cashflow Salary-deposit pattern slipped 4 days this month — predicted shortfall on next cycle. | Send WhatsApp · payment-plan pre-offer expected lift +28% | Hardship Ability 4 Willing 76 | pending | Open → | |
RS | 91% Very high confidence | in 26d 22m on-time streak | Macro Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 20 Willing 73 | in flight | Open → | |
MD | 91% Very high confidence | in 16d 12m on-time streak | Cashflow Telematics shows reduced commute pattern — possible job change. | Email · self-serve hardship explainer + portal link expected lift +9% | Hardship Ability 27 Willing 86 | in flight | Open → | |
LO | 91% Very high confidence | in 23d 19m on-time streak | Engagement Auto-pay bounce risk model flags account · NSF probability 0.41. | Soft check-in call (no collection language) within 48h expected lift +34% | Recovery Ability 2 Willing 28 | snoozed | Open → | |
JS | 91% Very high confidence | in 26d 26m on-time streak | Bureau Salary-deposit pattern slipped 4 days this month — predicted shortfall on next cycle. | Send WhatsApp · payment-plan pre-offer expected lift +28% | Hardship Ability 16 Willing 76 | pending | Open → | |
RP | 90% Very high confidence | in 14d 34m on-time streak | Macro Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 13 Willing 86 | snoozed | Open → | |
AP | 90% Very high confidence | in 20d 18m on-time streak | Cashflow Two soft-credit pulls in last 14 days — multi-lender stress signal. | SMS · payment-method update nudge before cycle date expected lift +11% | Recovery Ability 4 Willing 53 | pending | Open → | |
OS | 90% Very high confidence | in 24d 24m on-time streak | Cashflow Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Recovery Ability 25 Willing 38 | snoozed | Open → | |
JP | 90% Very high confidence | in 22d 14m on-time streak | Bureau Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 13 Willing 86 | snoozed | Open → | |
EB | 90% Very high confidence | in 28d 28m on-time streak | Macro Two soft-credit pulls in last 14 days — multi-lender stress signal. | SMS · payment-method update nudge before cycle date expected lift +11% | Recovery Ability 4 Willing 53 | pending | Open → | |
MD | 90% Very high confidence | in 16d 34m on-time streak | Macro Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Recovery Ability 25 Willing 38 | snoozed | Open → | |
KC | 89% Very high confidence | in 18d 10m on-time streak | Macro Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 20 Willing 73 | resolved | Open → | |
SN | 89% Very high confidence | in 24d 30m on-time streak | Cashflow Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 27 Willing 86 | resolved | Open → | |
CA | 89% Very high confidence | in 15d 7m on-time streak | Engagement Spend velocity up 22% w/w; same-segment cohort delinquency baseline is rising. | Email · self-serve hardship explainer + portal link expected lift +9% | Recovery Ability 2 Willing 28 | in flight | Open → | |
YM | 89% Very high confidence | in 18d 14m on-time streak | Bureau Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 16 Willing 76 | snoozed | Open → | |
JP | 89% Very high confidence | in 22d 34m on-time streak | Macro Customer engaged hardship explainer twice without applying — leading indicator. | Soft check-in call (no collection language) within 48h expected lift +34% | Hardship Ability 4 Willing 76 | snoozed | Open → | |
JS | 89% Very high confidence | in 26d 20m on-time streak | Bureau Macro shock to tourism segment — historical correlation to 30 DPD roll within 60 days. | Schedule callback when borrower next opens portal expected lift +22% | Hardship Ability 20 Willing 73 | resolved | Open → |