Portfolio Monitoring Service

Accessing to individual credit report and K-Score to assess the creditworthiness of customer is widely used in the market. As a result, the financial institutions can lend responsibly to its client. The key challenges are how financial institutions can monitor their own customer effectively after the loan disbursement.

To overcome this main challenges and to fulfill the gap, CBC introduced Portfolio Monitoring Service, an on-time monitoring alert enabled financial institutions to monitor their existing customers base on selective criteria. The service includes 14 main triggers as follow:

• Credit report request on a subject is made
• Subject got a new loan contract
• Subject’s identification data is changed
• Subject’s loan status has been settled from normal to write off
• Contract loan write off changed
• Contract loan changed to close
• Subject has negative cycle change
• Subject has positive cycle change
• Subject has past due payment
• Subject settled past due payment
• Subject has past due payment change
• Subject has updated new address
• Subject has reached lost status
• Subject’s loan has been restructured
• Changes in Lending Guidelines indicators

Benefits:

• Keep track of the performance of your existing customers and their credit health
• On-time monitoring of exiting customer performance
• Reduce risk by taking proactive approaches to customer performance
• Cost-effectively monitor your own customers