J-pulse Dealer Management R-pulse C-pulse Ad-Hoc
Why R-pulse?
What-if Scenario
An iterate process using champion/challenger testing to determine the optimal profitability, rate blend, head count, product mix, etc. The scenario builder can be used in a wide variety of internal and external control systems. One example would include sensitivity analysis of a loan portfolio to learn how it would perform under different scenarios (i.e. high delinquency, high margins, rapid prepayment, etc.).
Stability Index
The Population Shift or Stability Index answers the question about ones portfolio in regards to the actual population scoring differently today than projected at the time of booking. The index gives a good probability as to the stability of one's pool. This becomes a valuable tool to shift focus or alter programs.
R-pulse
Static Loss Curve
A pool of loans from a specific time period that has ongoing analysis conducted upon it. Analysis would examine such things as delinquency, prepayments and rate of return. This would also include numerous presentations layers, pool performance graphs and the ability to perform requisite static pool analysis that requires a team of risk managers today.
Portfolio Review
Portfolio Review optimizes the risk and return characteristics of a portfolio, typically through diversification and identification of assets with uncorrelated return distributions. The module would be used to segment delinquent accounts by cycle and and segment.
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