1
Stress Signal Assembly2
Risk Trajectory3
Action Playbook4
Prevention LogTotal Exposure at Risk
₹1.67Cr
4 accounts flagged
Critical (≤20 days)
2
Immediate action needed
Avg Detection Lead
28 days
Before potential slippage
NPA Prevention YTD
₹4.2Cr
35% reduction
Step 1: Stress Signal Assembly
Behavior-first detection: Repayment drift, utilization spikes, transaction drops, balance volatility, external liability surge, digital decline. NO credit score obsession. Stress detected 30-45 days before slippage.
CUST-123789
SME
Priya Electronics Pvt Ltd
Exposure
₹28.0L
Stress Score78/100
Estimated Days to Slippage
22 days
Stress Signals
Payment timing shifted by 12 days avg
Credit utilization spiked to 94%
Reduced transaction frequency -35%
Recommended: proactive call
CUST-123790
Corporate
Sunrise Textiles Ltd
Exposure
₹125.0L
Stress Score85/100
Estimated Days to Slippage
15 days
Stress Signals
Textile sector stress indicators
Cash flow coverage dropped to 0.8x
Key supplier payment delays reported
Recommended: restructure discussion
CUST-123791
SME
Metro Auto Parts
Exposure
₹9.5L
Stress Score42/100
Estimated Days to Slippage
45 days
Stress Signals
First payment delay observed
Recommended: monitor
CUST-123792
Retail
Vikram Trading Co
Exposure
₹4.5L
Stress Score65/100
Estimated Days to Slippage
30 days
Stress Signals
Account dormancy pattern detected
App login frequency dropped 80%
Recommended: engagement call
Select an account to assign preventive action