Early Payment Default Review demo
Every loan that misses an early payment is re-read end to end, and agents say whether it was fraud, a credit miss or an onboarding slip. 1:15
What the demo shows
A quality control solution for consumer lenders that finds why each early default happened.
Six agents re-read every early default's file the day it turns 30 days late — application, verification, decision, fraud checks, channel and payments — and grow a root-cause tree that shows the pattern: a ring, a loose rule, a waived check or the bank's own slip, each sent to its owner.
Transcript
- Early Payment Default Review finds why each early default happened for consumer lenders.
- August's early defaults nearly doubled.
- The rate alone can't say why.
- Six agents re-read all 87 files and grow the tree.
- One branch thickens. Income verification waived 41% of early defaults this quarter.
- Open a leaf. Each loan carries the reason found in its file.
- Tyler Quinlan's pay stub, phone, and device match other loans.
- He never paid once.
- Buy fraud indicator. One ring.
- 19 loans for devices.
- One partner source. 21 passed on July's looser debt rule.
- A 42% cap stops most.
- Each fix goes to its owner, and Daniel signs within the week.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.