Aging buckets

Live DPD exposure and loan-level delinquency rows from the collections read model.

4 buckets

Buckets

4

live DPD groups

Loans

0

across all buckets

Outstanding

Ksh 0

total delinquency exposure

0-30

0

Ksh 0

31-60

0

Ksh 0

61-90

0

Ksh 0

90+

0

Ksh 0

Collections strategy engine

0-30 DPD: reminder and self-service payment link.
31-60 DPD: promise-to-pay and affordability refresh.
61-90 DPD: collections campaign with supervisor review.
90+ DPD: repo readiness, restructure, or write-off path.

Strategy workbench

Build a bucket-specific campaign with consent, risk, channel, and owner guardrails.

Bucket

Strategy

Owner

SMSWhatsAppCallField visitEmail

Consent and contactability checkedVulnerability, dispute, and high-risk exclusions reviewed

Suggested for 0-30: friendly_reminder

Consent and contactability must be checked before dispatch.
High-risk exclusions must be reviewed before dispatch.

0 loans | KES 0 | SMS, WhatsApp

Collateral review queue

Logbook ownership mismatch
Vehicle photo confidence below threshold
Title deed parcel or owner mismatch
NDVI collateral stress or stale satellite sample

Collateral review workbench

Resolve valuation exceptions with forced-sale coverage, reviewer ownership, and evidence notes.

Exposure

Collateral type

Review reason

Reviewer

Market value

Forced-sale value

Forced-sale LTV

999.0%

Evidence note

Select a loan exposure for collateral review.
Market value must be positive.
Forced-sale value must be positive.
Forced-sale LTV must be 85% or below before approval.

No exposure selected

Loan rows by highest outstanding balance

0 rows

No live delinquency rows were returned.