Portfolio Simulation

Apply what-if transforms to the historical book and project approvals, risk and revenue — re-decide every cohort against hypothetical policy, before anything ships.

Base book

0 cohorts
Active loans
0
₹ book
₹0Cr
Approval
0%
90+ DPD
0%
Every persisted loan, cut into bureau-grade cohorts. Avg ticket ₹0k.

Transforms

what-if
Bureau score shift0
-40tighten → loosen+40
Requested amount change0%
-30%+40%
Tenure remap → target24 mo
12 moEMI ↓ as tenure ↑48 mo
FOIR ceiling · inert here0.60
0.40EMI-burden cap0.65
Income cutoff₹20k
nonemin monthly₹60k
Preset scenarios
What gets re-decided

Every active loan in scope is re-scored against the transformed policy. Approval is re-screened on the shifted bureau bar, income floor and FOIR ceiling; ticket and tenure re-price the economics. Outcomes are projected on the historical book — no live policy is touched.

Projects on the historical book

Set transforms and run to project portfolio impact

Pick a base portfolio, dial the bureau, amount, tenure, FOIR and income levers — or load a preset — then run to re-decide every cohort and project how approvals, risk and revenue would move on the historical book.

Δ approval Δ risk before → after