Portfolio · This Quarter
Outstanding portfolio
₱29.9B
↑ 4.2% vs Q3
Default rate
4.7%
↓ 0.6 pts vs Q3
Recovery rate (Nova)
31.4%
↑ 11.2 pts vs baseline
Right-party-contact
11.8%
↑ 3.9× vs cold dial
Recovery rate · 12 weeks
Nova-driven collections vs no-AI baseline
With Nova (current 31.4%)
No-AI baseline (~20%)
AI activity
Live feed · last 60 min
Active Delinquent Accounts · Nova-Prioritized
| Borrower | Balance | DPD | Risk | Best Channel | Next Action |
|---|---|---|---|---|---|
Sarah Donovan L-019283 |
₱1.62M | 34 | Low risk · self-cure | Email · 9:15 AM | Reminder + plan |
Marcus Chen L-022451 |
₱3.09M | 62 | Medium · partial likely | SMS · 2:30 PM | Settlement offer 65% |
Reyes Logistics Inc. L-018122 |
₱6.43M | 89 | High · pre-default | Voice agent | RPC + payment plan |
Jamie Patel L-026703 |
₱499K | 41 | Low · auto-cure | Email + SMS | Skip queue |
Manila Bay Construction Corp. L-014008 |
₱14.0M | 118 | Legal · ROI+ | Human escalation | Legal proceedings |
Elena Vargas L-020940 |
₱890K | 56 | Medium | Voice · 10:00 AM | Plan negotiation |
Northstar Retail Inc. L-017321 |
₱4.47M | 72 | High | Voice agent | RPC + restructure |
2,847 accounts in collections · 1,284 prioritized today
Nova auto-routed 89%
Compliance log
FDCPA / RA 11765 · last 30 days
Total contacts logged38,412
Pre-screen blocks (compliant)12
Disputes auto-routed87
Audit-trail completeness100%
PII redactions4,219
Settlement engine
This week's recommendations
Optimal-offer suggestions214
Acceptance rate (forecast)62%
Avg settlement %68%
Lift vs flat-rate offers+18%
Plans ratified this quarter1,847