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Monthly portfolio review

The CRO wants the monthly review pack by Friday. You have a loan tape and last month's pack. From raw loan tape to a review pack you can defend in the room.

10 steps · 16 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.

Schema profile builderFree

Definition libraryFree

Loan tape data-quality checksDelinquency and loan tape

DPD and bucket computationFree

Disbursal and book growth MISPortfolio MIS and growth

Segment-wise performancePortfolio MIS and growth

Roll rate and flow rate matrixFree

Vintage curvesDelinquency and loan tape

Cohort delinquency (X+ at MOB Y)Delinquency and loan tape

Expected vs actual loss trackingPortfolio MIS and growth

Write-off and recovery trackingDelinquency and loan tape

Collections effectivenessCollections performance

Portfolio composition and concentrationPortfolio MIS and growth

MIS reconciliation to financePortfolio MIS and growth

Month-on-month anomaly detectionDelinquency and loan tape

Monthly and quarterly portfolio review packGovernance and board

Check these first

Each tool asks the same questions and gives you a prompt to build whatever is missing.

Loan tape with DPD for each account and month?

Have itAlready calculatedDon't have it

Plan and last month's value for each metric?

Have itDon't have it

Last month's action log?

Have itDon't have it

Is your MIS reconciled to finance?

Yes, on a dateNo

The steps, in order

Each step names the tool to open.

Set up

Tell the tools your table names

Once. Every later step reuses them.

FreeSchema profile builderFreeDefinition library

Check the loan tape is clean

Duplicates, missing dates, negative balances, accounts that vanish between months.

Loan tape data-quality checks

Compute

Days past due and buckets

Using your own definition of DPD and default.

FreeDPD and bucket computation

Growth: disbursals, book and mix

Against plan and last month.

Disbursal and book growth MISSegment-wise performance

Analyse

Quality: how accounts move and age

Roll rates, vintages, and cohort 30+ at month 3 and 6.

FreeRoll rate and flow rate matrixVintage curvesCohort delinquency (X+ at MOB Y)

Losses: expected against actual

Write-offs and recoveries included.

Expected vs actual loss trackingWrite-off and recovery tracking

Collections performance

Is recovery keeping up with new delinquency?

Collections effectiveness

Concentration and limits

Product, region, ticket size and top exposures.

Portfolio composition and concentration

Check

Reconcile to finance, then scan for odd jumps

Do this before anyone sees a number.

MIS reconciliation to financeMonth-on-month anomaly detection

Deliver

Write the pack

Ten pages. Each section: number, status against plan, reason, action. For the committee version, see the Board and risk committee pack playbook.

Monthly and quarterly portfolio review pack

Check before you send

Book at month end equals finance's book, within your tolerance.
Bucket counts add up to total accounts. Roll rates never exceed 100%.
Every jump bigger than 2 standard deviations has a written reason: real, timing or data fault.
Every number is reconciled with a date, or marked unreconciled.

Warning signs

30+ falls while write-offs rise: the book is being cleaned, not improving.

Growth beats plan while cohort 30+ at month 3 also rises: looser underwriting is showing up.

What you hand over

A ten-page pack and a one-line headline: "In October, 30+ was 4.1% against a plan of 3.8% and 3.9% last month. The main reason is the July cohort. Of the 6 actions from last review, 4 are closed and 2 are open."

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.

Other playbooks

Delinquency tracking Underwriting policy change Bureau data and scoring checks Scorecard build Model validation Early warning and leading indicators Collections strategy and agency performance Fraud and first-payment-default review Provisioning and ECL RBI reporting and asset classification Loss budget and stress testing Board and risk committee pack