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PROTOTYPE — MOCK DATAFigures are generated fixtures derived from the registry. Not ACF actuals.
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LAYER 3 — DEPARTMENT KPI PACK

Credit Risk & Portfolio Management

12 metrics7 leading · 5 lagging12 manual7 without a target
FPD5+ by vintage
CR-01
2.4%
-1.6pp vs target 4.0%
MANUALDWH⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Vintage loss curves
CR-02
31.8%
No target
MANUALDWH⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Roll rates by bucket
CR-03
13.7%
No target
MANUALDWH + Nexusti⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

NPL by product
CR-04
25.3%
No target
MANUALT24 → DWH⏱ T+1restated

Head of Credit Risk & Portfolio Management·IT System Planning

Provision expense vs budget
CR-05
65.0%
-35.0pp vs target 100.0%
MANUALT24 → DWH + Finance⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Provision coverage
CR-06
66.1%
No target
MANUALT24 → DWH⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Merchant NST monitoring
CR-07
4.3%
+1.3pp vs target 3.0%
MANUALDWH + merchant file⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Scorecard discriminatory power (GINI/KS)
CR-08
42.1%
+12.1pp vs target 30.0%
MANUALScoring + DWH⏱ T+1target proposed

Head of Credit Risk & Portfolio Management·IT System Planning

Gross NPL before write-off + write-off volume
CR-09
28.4
+24.4 vs target 4
MANUALT24 → DWH⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Restructuring volume
CR-10
1,606.9
No target
MANUALT24 + Collections⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

Risk-appetite threshold status
CR-11
37.1%
No target
MANUALDWH⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

ECL / IFRS-9 readiness
CR-12
3,069.2
No target
MANUALproject tracking⏱ T+1

Head of Credit Risk & Portfolio Management·IT System Planning

LAYER 4 · NO ROSTER FOR THIS DEPARTMENT

Nobody in Credit Risk & Portfolio Management has an employee record loaded, so there is no individual layer here — not an empty one, an absent one. Q-18 has not confirmed that an employee master with stable ids exists, or where it lives, and inventing one to fill this panel would make Layer 4 look far closer than it is.

See every department's Layer-4 position →
INTERNAL PROCESS · WHAT WE NEED BACK
  1. Is this what you are accountable for? Delete what is not; add what is missing.
  2. Is the formula right — especially the denominator?
  3. Who is the metric owner and who is the data owner? They must be two different people.
  4. What is the target, and on what basis was it set?
  5. Where does the number come from today — which system, or which spreadsheet?