Portfolio & Growth Intelligence

Turn behavioral data into growth priorities across your entire portfolio.

Segment customers by risk, stability, affordability and reachability to choose the right audience, product, limit and moment.

For segmentation, room allocation, pre-qualified leads, cross-sell, retention and collection prioritization.

The problem

When your portfolio needs smarter allocation

Finite credit room not yet allocated by risk-adjusted value.
Broad-reach credit campaigns with low conversion and high CAC.
Hard to identify customers likely to accept a higher limit or buy more products.
Collection resources aren't prioritized by contactability and recovery likelihood.
Post-disbursement behavioral data isn't fed back into portfolio management.

Modules

Groups customers by credit risk, stability, affordability, engagement and fraud risk.

Identifies customers with the right signal to invite for a loan, card, or limit increase.

Prioritizes limits toward segments with better risk-adjusted return.

Recommends the product, limit or offer based on behavioral profile.

Identifies stable customers with potential to increase usage or upgrade tier.

Prioritizes accounts by reachability, behavior change and recovery probability.

How it runs

1
Define the portfolio or campaign goal: grow disbursement, increase limits, reduce CAC, reduce churn, or improve cure rate.
2
Select the segment meeting legal and business eligibility.
3
Score/segment based on behavioral data and internal data.
4
Rank opportunities by expected value and risk constraints.
5
Push the list or signal into CRM/Marketing Automation/Collection workflow.
6
Collect outcomes to evaluate and optimize the next cycle.

Output

Illustrates field structure only — not actual values

portfolio_segment opportunity_score risk_band affordability_band contactability_score recommended_product_limit priority_rank top_reason_codes

Suggested Pilot KPIs

Objective	KPI
Pre-qualified lead	Approval rate, conversion, CAC, incremental disbursement, bad rate.
Cross-sell/limit uplift	Take-up, utilization, incremental revenue, delinquency after uplift.
Room allocation	Risk-adjusted yield, approval mix, concentration, NPL by segment.
Retention	Churn, active rate, reactivation, customer lifetime value.
Collection	Contact rate, promise-to-pay, cure rate, cost per recovery.