Regional bank · credit risk
Moving early-warning reviews from monthly to daily
Credit officers review a monthly delinquency report that arrives two weeks after month end, so deteriorating segments are spotted late.
- Data connected
- Loan servicing tables in Snowflake, payment history, bureau score refreshes.
- Configuration
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- 01Semantic model for roll rates, DPD buckets and exposure
- 02Gradient-boosted early-warning score retrained weekly
- 03Decision Flow opens a review when a segment's 30+ DPD rate rises 15% over baseline
- KPIs tracked
- Days from deterioration to review, roll rate to 60+ DPD, analyst hours per review.