INTERNAL PROCESS · KPI · LEADING

Roll-forward rateCO-02

3.5%✕ Off target◇MANUALCollections — Nexusti roll rates

ACTUAL VS PLAN

DELINQUENCY ROLL

Which bucket is the book leaking from?

How much of this is measured: Resolved rates are published; the roll-FORWARD splits between them are derived as (100 − resolved) and are not separately reported. Cure (roll-back) is near zero late-stage, so the sankey shows it only where ACF reports it.

VARIANCE TO PLAN — computed in-platform, not in Excel

DEFINITION

Formula: balance rolling to next bucket ÷ opening
Unit / direction: pct · lower better
Source system: Nexusti + T24
Refresh: daily_t1
Target: ≤ 3%
Target status: From an ACF document
Baseline in context/: NE pilot target ≤ 3%

OWNERSHIP — two roles, two people (R-G-02)

Metric owner — owns the target and the result

Head of Debt Collection Operations

Data owner — owns the source system and pipeline

IT System Planning

Both proposed by Ikigai and awaiting ACF confirmation (DEC-02).

COMMENTARY — why the number is what it is

No commentary recorded for this metric. A red tile with no explanation is the failure mode the current monthly pack already has.

Commentary is attached to the metric and period, not to a slide. It survives the month — which is what makes a variance reviewable at the next meeting instead of re-argued. Prototype — read-only fixtures; at fullstack this is the COMMENT table with author identity from AD.