Identifies customers who are delinquent but have paid something recently.
Helps collectors prioritize accounts that have had zero activity versus those making small "good faith" payments. 3. Static Pool (Vintage) Analysis buy here pay here payment center
To maintain an "audit-proof" operation, your payment center should generate these five reports monthly. Purpose: Tracks how long payments are overdue. Identifies customers who are delinquent but have paid
Determines if underwriting standards for that specific period were successful or led to higher-than-average defaults. 4. Cash Drawer & Reversal Report Purpose: Balances physical and digital payments daily. Static Pool (Vintage) Analysis To maintain an "audit-proof"
Tracks a specific group of loans (e.g., all loans made in March 2024) over their lifetime.
Roll Rates (the percentage of customers moving from one late bucket to the next). 2. Recency Report
Summarizes cash, credit, ACH, and checks while highlighting NSFs (Non-Sufficient Funds) and chargebacks. 5. Promise-to-Pay (PTP) Kept Rate Purpose: Measures collector effectiveness.