Existing loans
Act on changing risk, not yesterday’s score.
Which accounts need attention before the next renewal?
A borrower’s position evolves after disbursement. Repayment patterns, balances and financial conditions provide new evidence. Turn that evidence into a structured review of deterioration, renewal and top-up decisions.
THE BUSINESS CHALLENGE
What the headline
can miss.
A current account can have a history of repeated late payments. An overdue account can be improving. Looking only at today’s arrears bucket loses that context and can misdirect scarce review capacity.
DECISIONS IT SUPPORTS
What you can examine.
- Identify patterns of deterioration using dated repayment histories.
- Review renewals and top-ups with current evidence and clear limitations.
- Explain risk changes using comparable horizons and model versions.
EXAMPLE / A BUSINESS DECISION
Two current accounts reach renewal. One has been consistently timely; the other repeatedly catches up after late payments. Behavioural history helps the reviewer ask different questions without pretending either future is certain.
Start with the evidence.
Scheduled dues, actual receipts, allocations, historical balances and account events establish the timeline. Origination benchmarks and current assessments are needed for meaningful migration comparisons.
Understand the data process →Keep the decision yours.
Use the analysis alongside your credit policy. Your team sets eligibility, decides when further review is needed and records exceptions. See where information is incomplete and how much the answer changes when assumptions change.
See how review works →Explore the relevant models
MSME financial distress
Does the business have the financial capacity to support the loan?
Use, data and diagram →M03Behavioural risk
Which existing accounts are beginning to deteriorate?
Use, data and diagram →M04Delinquency transitions
How might accounts move between arrears stages?
Use, data and diagram →M08Timing & prepayment
When might repayment, early closure or default occur?
Use, data and diagram →M11Risk migration & SICR
How much has credit risk changed since origination?
Use, data and diagram →M16Model uncertainty
Would the decision change if the estimate were less certain?
Use, data and diagram →