← Credit Risk & Portfolio Management
INTERNAL PROCESS · KRI · LEADING
Merchant NST monitoringCR-07
4.3%✕ Off target◇MANUAL
ACTUAL VS PLAN
MERCHANT NST MONITORING
Which dealers trip a two-part rule, not one threshold?
How much of this is measured: Named dealers and the Jul-26 counts (20 warned, 1 suspended) are ACF figures. The unnamed cloud is synthetic shape only, so the quadrant rule can be seen operating — it is NOT a dealer list.
VARIANCE TO PLAN — computed in-platform, not in Excel
DEFINITION
- Formula
- NST loans ÷ loans disbursed, per dealer
- Unit / direction
- pct · lower better
- Source system
- DWH + merchant file
- Refresh
- daily_t1
- Target
- per Regulation 003.CRD.(1)
- Target status
- From an ACF document
- Baseline in context/
- warn NST ≥ 4.2% & ≥3 loans; Jul-26: 20 warned, 1 suspended
OWNERSHIP — two roles, two people (R-G-02)
Metric owner — owns the target and the result
Head of Credit Risk & Portfolio Management
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.