15.4 Weekly metrics to track
The metrics below are the minimum the leadership team should review weekly. All should be derived from the warehouse / analytics module (3.P and 3.L).
Origination
Section titled “Origination”- Disbursements this week (count + ₹).
- Applications submitted.
- Conversion at each funnel stage: lead → application → KYC → decision → docs → disbursement.
- Drop-off reasons by stage.
- Channel mix: % direct / DSA / CA / embedded / anchor.
- Repeat-borrower share of disbursals.
Credit
Section titled “Credit”- Approval rate (overall + by channel + by grade).
- Decline reasons distribution.
- Time-to-decision (automated p50, p95; manual p50, p95).
- Refer rate (% routing to manual).
- Deviation rate (% of approvals with deviation).
- First-loan default rate (rolling 6-month vintage).
Portfolio
Section titled “Portfolio”- Live AUM (own + partner share).
- Bucket distribution: Standard / SMA-0 / SMA-1 / SMA-2 / NPA.
- Bucket roll-rate week-on-week.
- NPA flow (gross / net).
- Recovery this week.
- Repeat-borrower retention (% of borrowers who took a second loan within
6 months).
Co-lending (when applicable)
Section titled “Co-lending (when applicable)”- Per-partner disbursals this week.
- Per-partner settlement health (on-time / pending / disputed).
- Per-partner NPA share.
- Allocation distribution across partners.
Collections
Section titled “Collections”- Collection efficiency: % collected vs scheduled, by bucket.
- NACH bounce rate.
- PTP honour rate.
- Agent productivity (cases / agent / day; resolutions / agent).
- Compliance flags (target zero).
Operations
Section titled “Operations”- Application-to-disbursement TAT (p50, p95).
- Disbursement success rate.
- Reconciliation exception rate (% of items mismatched).
- Daily NACH presentation success rate.
- Vendor SLA health per vendor.
Finance
Section titled “Finance”- Cash position (collection + disbursement + escrow).
- CRAR.
- Provision (closing).
- Net revenue (this week).
- OpEx vs budget.
- Cohort profitability (snapshot — moves slowly; monthly is more typical).
Risk and compliance
Section titled “Risk and compliance”- EWS alerts raised, EWS alerts triaged.
- Grievances opened / resolved / open beyond SLA.
- Security incidents: count, severity, status.
- Compliance calendar: items due in next
14 days. - Internal audit findings: open vs closed.
Engineering
Section titled “Engineering”- Production incidents: count, severity.
- MTTR.
- Deployments: count, success rate.
- Vendor API health: per-vendor success rate vs SLA.
How to review
Section titled “How to review”A single dashboard with these as panels; reviewed in the weekly leadership meeting. Drill-down available to any team member with appropriate role.
Anything that surprises in this review becomes an action, with owner and date. Weekly cadence keeps the operating loop tight.