Learn / Playbooks / Delinquency tracking
Delinquency tracking
The business wants one delinquency view every week, and nobody trusts the numbers they get today. Buckets, roll rates and vintages, built into a dashboard that refreshes itself.
10 steps · 12 tools (4 free) · for risk analysts at banks and NBFCs
Tools you will use
This playbook is free to read. The prompt for each step is inside its tool. See the Pro tools.
Check these first
Each tool asks the same questions and gives you a prompt to build whatever is missing.
The steps, in order
Each step names the tool to open.
Set up
Write down what DPD, default and write-off mean in your policy.
Fix data faults before they reach a chart.
Compute
1-30, 31-60, 61-90, 90+ from your own tables.
Analyse
How accounts move between buckets month to month.
Delinquency by disbursal month, lined up by age of loan.
The share of each cohort that is 30+ or 90+ at a chosen month on book.
Which products, regions or channels drive the movement.
Check
Separate real change from data faults and timing.
Deliver
Choose charts that show direction, not just level.
So the weekly view needs no manual work.
Check before you send
- Bucket counts add up to total accounts every month.
- Roll rates stay between 0 and 100%, and rows of the matrix sum to 100%.
- Vintage curves for old cohorts do not change when you rerun them.
- The dashboard total matches the loan tape total for the same date.
Warning signs
What you hand over
A refreshing delinquency dashboard with one agreed definition sheet, and a one-page note explaining how to read it.
In your profile
Once you are signed in, your profile shows which steps you can run with the tools you own, and which tools you still need.