Welcome back, Admin

Here is what's happening with your loan portfolio today.

Active Loans
KES 42.5M
12.5% vs last month
Pending Applications
128
4.2% vs last month
Default Rate
2.4%
0.8% vs last month

Recent Activities

View All

Customers

Create Customer

Personal Information
Contact & Address
Financial & Status

Opportunities

View

Info

Photos

Products

Status
Short Name
Name
Principal Range
Rate Range (%)
Repay Range
Created At

Create Product

Basic Settings
Form Configuration
Risk Policy

Basic Information

Loan Limits & Rates

Penalties & Configuration

Penalty Grace Config
From Month To Month Grace Days Action
No penalty grace periods configured

Risk Policy Association (信贷风控政策引擎关联)

系统默认未关联风控策略（默认跳过机审强拒）。关联策略后，进件提交时将自动执行已启用的机审强拒规则。

未关联策略 (SKIPPED)
Tab Groups
Select a Group Manage field overrides and requirements
Field Name Field Type Enabled Required Order
Select a form group from the left pane to edit fields

Risk Policy Association (信贷风控策略关联)

系统默认未关联风控策略。未配置或关联策略为 OFF 时，进件将跳过风控 (SKIPPED) 正常流转。

未关联策略 (SKIPPED)

Policy Rule Engine (信贷风控策略配置中心)

Risk Policies (策略配置管理)
Rule Dictionary (系统规则字典 · 只读)
Manual Review Checklist (非机审人工核查项)
Total Policies (策略总数)
3 Policies
Enforce Active (正式生效)
2 Enforcing
Shadow Trial (试运行评估)
1 Shadow
Off Disabled (已停用)
0 Off
Policy Sets (策略配置清单 · 改参免发版)
Policy Name / Remark (策略名称与说明) Product Type (适用产品类型) Execution Mode (执行模式) Version (当前版本) Enabled Rules (启用规则) Updated At (最后更新) Actions (操作)

Applications

Total
1,284
Pending
45
Disbursed
KES 14.5M
Status
Application No
Client Name
Product
Applied Amount
Rate / Term
Created Time
Submitted On

Application Detail

Ownership & Follow-up Team Information

Branch
Shanghai Xuhui Flagship (BR-001)
Sales Manager
John Zhang (Lead)
Marketer
Leo Li (Entry User)
Personal Data
Vehicle Information
Financial Information
Application Information
Credit Report

Photos

NTSA Search Report
Upload the PDF report to auto-fill vehicle details below.

Photos

Valuation Report

* Bank/Mpesa Statements

Supplementary Documents (Optional)

Loan Application Form

Next of Kin

Guarantors

Has Guarantor?
CRB Credit Report *
Pull latest data to auto-fill credit metrics.

Branch Management

Manage branch offices, operational statuses, and staff configurations

Branch Code Branch Name Location (P/C/D) Detailed Address Status Created At Actions

Sales Team & Marketer Management

3-tier hierarchy: Branch -> Salesman -> Marketer multi-assignment

Branch Hierarchy

3 Branches

Sales Managers

Marketers

Disbursement Center Maker/Checker Workflow

Manage payout requests, net principal validation, bank/gateway transactions, and schedule activation

Pending Maker Entry
-
Awaiting entry
Pending Checker Review
-
Awaiting approval
Disbursed (Active Book)
-
Loans activated
Pending Entry 0
Pending Approval 0
Disbursement History 0

Payment Orders & T+1 Recon Decoupled Payment Layer

Manage payment orders (loan_payment_order), offline entry review, and T+1 channel reconciliation

Today's Orders
KES 8.4M (18 Orders)
Pending Review
3 Orders / KES 650,000
Reconciled
15 Reconciled (100%)
All Orders
Pending Review (Checker)
Executed & Settled
Recon Exceptions (Long/Short)
Order ID / Type
Loan / Client
Amount (KES)
Method & Ref
Order Status
Recon Status
Date
Actions

Repayment & Servicing Waterfall Allocation Maker-Checker Approval

Offline repayment entry (Maker), dual-control order approval (Checker), automated waterfall allocation (Fees -> Penalty -> Interest -> Principal)

Pending Maker Entry
-
Active & delinquent loans
Pending Checker Review
-
Awaiting authorization
Posted Repayments
-
Waterfall posted to ledger
Pending Entry 0
Pending Review 0
Repayment History 0
Loan ID / Client
Mobile
Store
Contract Principal
OS Principal
Arrears Amount
Arrears Days
Status
Actions

贷后异常调整工作台 (Loan Adjustments & Servicing) LIFO Controlled Dual Snapshot Matrix Off-Balance Tracking

支持后进先出 (LIFO) 交易红字冲正与快照级联试算、五维上限息费减免与协商结清、呆账核销与表外清收追回

2 / 6
末笔可冲正流水 (LIFO Eligible)
KES 4,200
累计息费减免金额 (Total Waived)
KES 120,000
呆账核销表外备查 (Write-Off)
KES 45,000
表外清收追回利得 (Recovery)
1. 交易红字冲正与快照试算 Tips
2. 息费减免与协商结清 Tips
3. 坏账核销与清收追回 Tips
后进先出 (LIFO) 控制规则：系统强制要求按时间倒序逆序冲正。仅末笔有效交易处于“可冲正”状态，前序交易自动锁定以保障账务与期次计提连续性。
Dual-Control

Accounting Engine Double-Entry Bookkeeping

Generate double-entry vouchers (loan_accounting_voucher) from business transactions for SAP/Oracle GL integration

Accounting Vouchers
Chart of Accounts (Subject Mapping)
Voucher No / Date
Transaction ID / Type
Debit Subject (DR)
Credit Subject (CR)
Amount (KES)
Status
Actions

Portfolio Ledger Real-time Asset Snapshot

Real-time balance sheet insights: Outstanding Principal, Outstanding Interest & Outstanding Penalty

OS Principal
KES 42.5M
Outstanding Principal
OS Interest
KES 3.1M
Outstanding Interest
Max Arrears Days
42 Days
5 Severe Loans
OS Penalty
KES 485,000
Outstanding Penalty
Total Repaid
KES 18.2M
Principal + Interest + Penalty + Fees
Loan ID / Client
Contract Principal
OS Principal
OS Interest
Arrears Days
OS Penalty
Last Repayment Date
Actions
Attribution Information
Branch-
Salesman-
Marketer-
City-
Loan Core Parameters
Contract Principal-
Net Disbursal Amount-
Total Disbursed-
Nominal Rate Per Period-
Interest Method-
Repayment Period Frequency-
Repayment Every1
Number of Repayments-
Product-
CurrencyKES
Balance Snapshot
OS Principal
-
OS Interest
-
OS Penalty
-
OS Fee
-
OS Tax
-
Total Outstanding: KES 0
Repaid PrincipalKES 0
Repaid InterestKES 0
Repaid PenaltyKES 0
Repaid FeeKES 0
Total RepaidKES 0
Key Dates & Arrears
Disbursement Date
-
Maturity Date
-
Last Repayment Date
-
Settled Date
-
Write-off Date
-
Repayment Schedule
Repayment History
Disbursement History
Adjustment History
Period # Due Date Grace Period End Status Principal (Due/Paid/Waived) Interest (Due/Paid/Waived) Penalty (Due/Paid/Waived) Fees/Tax (Due/Paid/Waived)

Vehicle Valuation

Make
Model
Year
Calc Price
Manual Override Price
Effective Price

Overdue Monitoring

Aggregated from loan_main / loan_repayment_plan · last refreshed by 00:05 EOD penalty batch

Alert Center

0 pending

Overdue Ledger

0 loans

Collection Cases

Role-scoped: admin sees all · supervisor sees group · collector sees assigned

All Cases
My Cases
Due Today
Pending Assignment 0
Case Lifecycle
Loan Information
Outstanding by dimension (principal / interest / penalty / fee / tax)
Customer Information
Overdue Installments loan_repayment_plan
Collection Actions
Collection Records & Case Log

Collection Records

Every contact action and PTP promise, fully audited

All Records
PTP Promises

Notification Templates

Manage SMS & Email templates for auto-reminders, overdue notices and repayment receipts · Powered by Advanta SMS + AWS WorkMail

Template Library

0 templates 0 enabled
New Notification Template Draft
Choose channel, trigger condition and content · live preview on the right
1. Template Basic Info
Enabled
Once enabled, the reminder cron will pick this template up
2. Content
{{clientName}} {{amount}} {{days}} {{dueDate}} {{paybill}} {{loanNo}} {{penalty}} {{branch}}
3. Test Receivers
Test sends bypass the production log table (status recorded as TEST). Use only for QA.
Live Preview
ChoiceBank · SMS 0 / 160
Dear , your loan of KES is due...
Trigger Detail
Compliance & Channel Limits
Sensitive-words scan against collection.sensitive-words before dispatch.
Idempotency key: (biz_type, biz_id, template_code, receiver) — one per customer per day per scenario.
AWS WorkMail daily quota ≈ 200 / 1000 burst — assess before bulk.
All dispatches directly logged into loan_notification_log (status + vendor response).

Notification Logs

Every dispatch outcome — auto, manual and event-driven · live audit source: loan_notification_log

Send Records

0

Notification Dashboard

Last 14 days · Live from loan_notification_log · auto-refresh every 5 min

Daily Dispatch Trend
By Overdue Bucket
Channel Mix
Top Failure Reasons
Retry Queue & Pending Alerts

Fulfillment

All 13
Pending Payee Account 7
Pending Contract Signing 4
Pending Contract Review 2
Pending Ledger Creation
Stage Product / Application No Client Name Approved Amount Interest Rate Term Approved At
|

Fulfillment

Application No APP20260906000022 Client jasper he Product Logbook Loan Status Approved
Approved Amount KES 30,000 Interest Rate 3.00% Term 12 Approved At -
Disbursement Account
Confirm the primary payee account
2
Loan Contract
Generate / register and sign
3
Contract Review
Maker-Checker verification
4
Loan Ledger
Created once the review is approved
Disbursement Account Locked by contract
Payee Bank / Institution Payee Name Mobile Number / Account Number Primary Source
Bank of Africa Kenya aaaa aaa Primary Staff entered
Loan Contract
Signed Loan Offer File
Verify the disbursement account printed on the loan offer file matches the account above before confirming.
Saves the selected loan offer file and confirms in one step. Confirming locks the disbursement account and sends the contract for review.
Contract Review

Branch Information

Manual Ledger Entry

Create a new loan ledger record with full financial parameters and attribution

1 Customer & Attribution
2 Financial Core Parameters
Fixed — backend currently supports FLAT only
Unit — DAY, WEEK, MONTH, etc.
Interval (e.g. Every 1 Month, Every 2 Weeks)
Per-period Installment —
Total Interest —
Total Repayment —
Interest Method Flat
3 Beneficiary Account Details (收款账号主档)
4 Entry Mode & Schedule (建账模式与起息)
Upon submission, the loan will be created in REPAYING status with the actual disbursement date as the value date. Beneficiary account will be archived into the ledger master.