Portfolio Overview

Live snapshot of your at-risk customer portfolio

⚠Risk Alerts

↑ 18% from last week

💰Avg Buffer

0.0×

↓ 0.8× from last month

↗Interventions

↑ 12 this week

₹Prevented Loss

₹0

ROI: 2.8× on interventions

🤖AI Risk Narrative

Generated • Feb 19, 2026

"Risk levels rose 18% this week, driven by Temporary Shock personas in Bangalore IT sector — 34 customers show salary delays of 8–12 days correlating with layoff announcements at 3 major tech employers. Buffer scores in this cohort collapsed from avg 2.1× to 1.3× in 14 days — critical intervention window is open now. Recommend pre-approving payment holidays for this segment immediately. Estimated cost: ₹4.8L in deferred interest versus ₹14L in projected write-offs. Intervention ROI: 2.9×. Secondary risk: Overleveraged cluster (10 customers) showing behavioral stress index >80 — escalate to RM queue."

Customer Risk Personas

100 customers flagged this week

100

AT RISK

Temporary Shock3434%

Structural Income Risk2525%

Chronic Overspender1515%

Liquidity-Cash Poor1616%

Overleveraged1010%

Portfolio Risk Score

Composite ML Risk Index

ELEVATED RISK

↑ from 48 last week

SAFE 0–40WATCH 40–65ELEVATED 65–80CRITICAL 80+

Early Warning Signal Intensity — Current Week

Salary Credit Delay

78↑

67 customers

Savings Balance Decline

65↑

52 customers

UPI → Lending Apps Spike

71↑

45 customers

Utility Payment Delays

54→

38 customers

Discretionary Spend Collapse

83↑

71 customers

ATM Cash Withdrawal Spike

47↓

24 customers

Failed Auto-Debit Attempts

61↑

31 customers

Portfolio Trends

7-week risk & intervention performance

Risk Score

Alerts

Interventions

Interventions Approved

+8 this week

Pending RM Review

3 critical

Prevented Losses

₹38.5L

ROI: 2.8×

Model Accuracy

78%

AUC-ROC