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Aging buckets · PTP pipeline · Dispatch · Repo initiation
| Rank | Collector | KES recovered | PTPs kept | Focus |
|---|---|---|---|---|
| #1 | Grace Njeri | Ksh 210,500 | 1 | Post-write-off recovery |
| #2 | Peter Koros | Ksh 98,000 | 1 | Post-write-off recovery |
| Loan | Borrower | Rule | DPD | Owner | Status |
|---|---|---|---|---|---|
| LN-2026-0009 | Irene Chebet | missing-contact | 35 | Asha Njeri | supervisor review |
| LN-2026-0013 | Mary Auma | missing-contact | 55 | Faith Wanjiku | supervisor review |
| LN-2026-0015 | Olivia Nekesa | 60+DPD | 68 | Brian Otieno | supervisor review |
| LN-2026-0016 | Patrick Odhiambo | 60+DPD | 75 | Mercy Chebet | supervisor review |
| LN-2026-0017 | Queen Adhiambo | 60+DPD | 83 | Brian Otieno | supervisor review |
| LN-2026-0018 | Robert Ngetich | 60+DPD | 62 | Brian Otieno | supervisor review |
| LN-2026-0019 | Sarah Wangari |
| DPD segment | Action | Exposure | Controls | Status | Hash |
|---|---|---|---|---|---|
Nakuru 7 loans |
| 57.1% |
| Ksh 1,523,000 |
Kiambu 3 loans | 33.3% | Ksh 176,500 |
| 60+DPD |
| 88 |
| Mercy Chebet |
| supervisor review |
| LN-2026-0020 | Thomas Korir | dispute-raised | 120 | Faith Wanjiku | conduct review |
0-30 DPD 8 loans / early arrears operations |
sms_reminder hardship 100.0% / vulnerability 96.0% |
| Ksh 1,149,000 |
| 2/2 |
| within |
| 5945c79ef2… |
31-60 DPD 6 loans / collections conduct and hardship support | call_and_sms hardship 81.0% / vulnerability 86.0% | Ksh 1,188,000 | 3/3 | breach | 158fe89b84… |
61-90 DPD 5 loans / senior collections and credit monitoring | field_visit hardship 81.0% / vulnerability 84.0% | Ksh 973,800 | 4/4 | breach | 137380d06d… |
90+ DPD 3 loans / special assets, legal control, and conduct risk | legal_and_repo hardship 81.0% / vulnerability 82.0% | Ksh 1,192,500 | 5/5 | breach | 70e0a11e85… |
| PTP discipline | Value |
|---|---|
| Promises | 12 |
| Kept / matured | 2/5 |
| Broken | 3 |
| Status | breach |
| Hash | a4b3cdb53e… |
| Legal/write-off | Value |
|---|---|
| Repo events | 0 |
| Failed repo | 0 |
| Write-offs | 5 |
| Recovery rate | 28.7% |
| Status | breach |
| Hash | 03d68c5043… |
| Control | Metric | Status | Hash |
|---|---|---|---|
Collections conduct policy and owner coverage Collections and recovery activity should be governed by approved policies, clear responsibilities, and controlled escalation routes. | 100.0% / 100.0% | within | 529797ffda… |
Contact, consent, and fair-treatment discipline Borrower contact should be fair, transparent, consent-aware, and controlled against harassment or unsuitable channels. | 95.0% / 90.0% | within | ec1ec6d9db… |
Hardship screening and forbearance coverage Borrowers in financial difficulty should receive proportionate support, forbearance assessment, and sustainable repayment treatment. | 81.0% / 85.0% | breach | 6f7ba90bb6… |
Vulnerable-customer and customer-harm review Collections treatment should identify vulnerability, avoid foreseeable harm, and preserve complaint/remediation routes. | 82.0% / 85.0% | breach | 511661f1cc… |
Promise-to-pay integrity and follow-up Promise arrangements should be affordable, followed up, and monitored for repeat failure or borrower harm. | 40.0% / 70.0% | breach | 86db24aa5c… |
Repossession, legal, and asset-recovery readiness Repossession and legal action should be a controlled last-resort process with borrower notice, hardship checks, asset evidence, and legal approval. | 100.0% / 95.0% | within | e3b01801de… |
Write-off, recovery, and postmortem governance Write-offs should follow delegated approval, recovery evidence, impairment linkage, and root-cause feedback into credit policy. | 28.7% / 30.0% | breach | f0009bde72… |
Board and committee reporting for collections conduct Senior management and boards should receive complete collections, forbearance, legal recovery, write-off, and customer-outcome reports. | 100.0% / 100.0% | within | 8a987e9ccc… |
Collections evidence custody and reproducibility Collections and forbearance evidence should be complete, traceable, and reproducible for audit and supervisory review. | 100.0% / 100.0% | within | 755da5b876… |
| Trigger | Owner | Deadline | Hash |
|---|---|---|---|
Hardship screening and forbearance coverage breach Average hardship screening and forbearance offer coverage across delinquent buckets: current 81.00% vs limit 85.00%. | collections conduct risk | same business day | dcd33444fe… |
Vulnerable-customer and customer-harm review breach Minimum vulnerable-customer review coverage across delinquent buckets: current 82.00% vs limit 85.00%. | collections conduct risk | same business day | 8b83dd61fe… |
Promise-to-pay integrity and follow-up breach Matured promise-to-pay kept ratio: current 40.00% vs limit 70.00%. | collections conduct risk | same business day | 15e2db3a8d… |
Write-off, recovery, and postmortem governance breach Write-off recovery rate and write-off-rate appetite: current 28.69% vs limit 30.00%. | collections conduct risk | same business day | aa016ce0d7… |
31-60 DPD collections segment breach Consent 97.00%; hardship 81.00%; vulnerability 86.00%. | collections conduct and hardship support | same business day | c48e74995e… |
61-90 DPD collections segment breach Consent 95.00%; hardship 81.00%; vulnerability 84.00%. | senior collections and credit monitoring |
| same business day |
| 1d8b17d0bf… |
90+ DPD collections segment breach Consent 96.00%; hardship 81.00%; vulnerability 82.00%. | special assets, legal control, and conduct risk | same business day | e17a5853a1… |
Promise-to-pay discipline breach Kept 2/5 matured promises; broken 3; partial 0. | collections operations | same business day | 0adedfa41e… |
Legal recovery and write-off governance breach Repo failed 0; active 0; write-off recovery 28.69%; write-off rate 80.00%. | special assets and credit risk finance control | same business day | e731a01a23… |