Loan Operations Command Centre

Full Visibility.
Every Case.

Real-time visibility across the entire loan book. Every case, from early risk identification through to recovery decisions, with NCA and NCR compliance tracked automatically.

R187.4MTotal Exposure

78.3%Performing

14.2%Watch List

7.5%Impaired

11.75%SA Prime Rate

01 · Portfolio

Loan Book at a Glance

Key performance indicators across the live portfolio. Click any ⓘ for a full explanation of what causes each status or triggers a classification change.

Performing

78.3%

↑ 2.1% vs last quarter

Watch List

14.2%

↑ 1.8% vs last quarter

Impaired

7.5%

↑ 0.3% vs last quarter

Recovery Rate

61.4%

↑ 4.2% vs last quarter

In Litigation

R14.1M

3 active matters

Avg DPD

days past due (active book)

Legal Spend MTD

R284k

71% of monthly budget

Recoveries MTD

R2.34M

↑ 18% vs target

NCA Risk Band Distribution

Standard (78.3%) Sub-standard (14.2%) Impaired (7.5%)

Monthly Recovery Trend (R'000)

02 · Team

Functional Leadership

The Loan Operations Manager oversees two functional leads, keeping case management and recoveries running as one coordinated function rather than separate silos.

Loan Ops Manager

Full book ownership · Strategy · Reporting

Case Mgmt Lead

Early intervention · Watch List · NCA

Recoveries Lead

Legal strategy · Settlement · Channel mix

Team Metrics

Cases Managed

78% within SLA

Recoveries Open

65% with formal strategy

NCA Compliance

98.2%

S129 notices current

Avg Resolution TimeTrending ↓

34d

Target: 28 days

03 · Case Matrix

Risk-Weighted Case View

All active cases sorted by exposure, risk score, and DPD. Click any status badge for a breakdown of what triggered that classification: missed payments, failed debits, court events, and more.

Showing 10 cases

Case ID	Borrower	Exposure	Risk Score	DPD	Status	Strategy	Action

Exposure × Risk Score Matrix (bubble size = DPD)

04 · Decision Engine

Pursue vs. Settle NPV Model

NPV model comparing litigation against negotiated settlement, discounted at the SA prime rate. Discount rate is prime (11.75%) divided by 12 per month.

Case Parameters

Loan Balance (R)Outstanding capital at the time of default

Win Probability (%)Estimated likelihood of obtaining judgment, based on evidence and precedent

Expected Recovery (%)Estimated % of balance recoverable if judgment is obtained

Months to ResolutionSA courts typically 12–36 months from instruction to cash-in-hand

Legal Cost (R)All-in attorney fees, sheriff costs, and court fees to resolution

Settlement Offer (R)Net amount debtor would accept in full settlement

Settlement Cost (R)Admin and legal costs to formalise the settlement agreement

Prime Rate (%)Current SA Prime Rate: 11.75% (Repo 8.25% + 3.5%). Used as monthly discount rate.

NPV Analysis Output

Pursue (Litigation)

—

Settle (Negotiated)

—

Formula: Pursue NPV = (Loan × Rec% × WinProb) / (1 + Prime/12)^n − Legal Cost | Settle NPV = Settlement − Settlement Cost
Break-even recovery rate: —

05 · Recovery Operations

Collections & Legal Spend

Recovery performance by channel against legal spend. Legal instructions above R25k need Loan Ops Manager sign-off, with the channel mix reviewed each month.

Recovery Waterfall (MTD)

Legal Spend vs Budget

R284k

Spent MTD

R400k

Monthly Budget

Recovery by Channel (R'000)

06 · Reporting Quality

Credit & Funder Reporting

The Loan Ops Manager is accountable for the accuracy of data going into credit committee and funder reports. Scores cover accuracy, completeness, and timeliness at case level.

Credit Report

Monthly pack for credit committee

94%

3 cases pending final classification. Stage 2 migration complete. NCA band assignments verified.

On Track

Funder Report

Quarterly covenant compliance

87%

NPL ratio pending 2 case outcomes. Covenant headroom: 4.2%. Due in 9 days.

Action Required

NCR Return

National Credit Regulator filing

100%

Submitted on time. All in-duplum calculations verified. No S129 backlog. Compliant.

Submitted

NCA Checklist

Internal compliance scorecard

98%

1 S129 notice outstanding — issued, awaiting 10-day response. All others current.

Compliant

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