Installment Tower Watch
Spot customers stacking installments before the tower falls, and prove the help worked.
The job
Find over-indebted customers by combining what they say (six plans, three providers, rent due) with what the credit records show, step in with affordability help, and evidence to the regulator that help changed outcomes.
The moment
The skyline shows 212 leaning towers. The tallest has seven blocks, and beneath it are the words rent is due Sunday. The officer routes it to hardship. At quarter-end the ledger reveal plays: settled towers drop into a wall of evidence one by one. Treated customers' 60-day delinquency is 9%, against 23% for matched untreated customers (n = 180 against 180), and the officer sends that page to the regulator unchanged.
What it does
- Route to a hardship specialist
- Offer a breathing plan
- Propose a limit freeze or restructure
- Send the affordability evidence page
What you see
Skyline of anonymised block towers (lean, not wobble) that settle into a quarterly Affordability Ledger evidence wall
What it moves
60-day delinquency and complaint rate of treated against matched untreated over-indebted customers, and the number of towers settled per quarter
Built for
- Compliance, complaints & legal
- Risk & fraud
