Items
- Early-warning score per live loan from OB refresh (M06), payment behaviour, CH changes — shown as a risk radar
- Smart DD re-presentment
- Arrears engine
- Collections queue & case
- Self-serve
- Vulnerability-aware routing (from M14) and tone-safe templates
Payment plan builder · draft v14
UnpublishedIF
monthly_credits_avg<£8,000thenKnock outIF
trading_months<6thenKnock outIF
short_term_lenders≥3thenReferIF
ccj_unsatisfied>£1,000thenKnock outPreview / simulation
71%
Approve
-2.4pp
vs live
Backtested on last 1,000 applications in 11.2s.