Delinquency is one of the most controllable risks in your portfolio.
Most institutions are managing it blind.

Finlytics gives your collections team early warnings, prioritised daily worklists, and live portfolio dashboards, connected to your core banking data.

What is Finlytics?

Finlytics is a secure, Azure-hosted platform that connects to your core banking data and gives your collections team early warnings, prioritised daily worklists, and live portfolio dashboards, so decisions are made on data, not instinct. Built for Caribbean credit unions and banks, and now serving US institutions facing the same challenges.

How it works

Finlytics integrates with your existing core banking system, no replacement, no disruption.

1
Connect your data
Secure ETL pipeline pulls loan and member data from your core banking system. Read-only access, with no changes to your source systems.
2
Score accounts for risk
ML-powered risk scoring identifies at-risk accounts before they become delinquent. Configurable thresholds aligned to your portfolio.
3
Prioritise collections
Collections team receives daily prioritised worklists. Every account ranked by risk, value, and contact history.
4
Report with confidence
Live dashboards for management. Automated governance and regulatory reports. Full data lineage for audit.

What's included

Early Warning System

ML-powered predictive scoring flags accounts before they become delinquent. Configurable risk thresholds. Trend alerts on portfolio-level shifts.

Smart Worklists

Prioritised daily task lists for collections officers. Every account ranked by risk score, outstanding balance, and last contact. No more working from static spreadsheets.

Live Portfolio Dashboards

Real-time visibility across your loan portfolio. Delinquency by bucket, branch, officer, and product. Management committee reports generated automatically.

Governance and Compliance Reporting

Automated regulatory reports aligned to BOJ and credit union regulator requirements. Full data lineage and audit trail for every number. Board-ready with one click.

Private and secure by design

VPN-access deployment

Finlytics runs in a private Azure environment accessible only via VPN. No public internet exposure of your member or loan data.

Read-only integration

We connect to your core banking system via read-only access. Zero risk of data modification in your source systems.

Regulatory alignment

Controls, documentation, and audit trails aligned to BOJ guidelines and credit union regulatory expectations.

Microsoft Azure hosted

Built on Microsoft Azure, enterprise-grade infrastructure with 99.9% uptime SLA and regional data residency options.

Proven in the Caribbean

Finlytics has been deployed at Caribbean financial institutions to reduce delinquency and reclaim collections capacity.

Read the case study →