Latent cross-lender small-dollar / payday loan performance warehouse

VERGENTLMSbuyer room · privateManage buyer room

Latent cross-lender small-dollar / payday loan performance warehouse: a consolidated schema holding every loan, transaction, customer record, note and communication for each lender client, from which the platform computes delinquency roll rates by past-due bucket, charge-off rates by origination cohort / product / acquisition channel, ACH return volume and return codes, auto-pay unenrollment reasons, payment-arrangement completion, default rates by underwriting tier and decision-engine output, repeat-borrower and rollover patterns, state and product concentration, and full communication-response logs. The cross-client aggregate — a benchmark panel of small-dollar credit performance across many payday, title and installment lenders — is the latent asset; the product itself ships 400+ standard reports plus a read-only real-time replicated database exposed to analytics tools.