Fintech analytics, regulator-aware
We model your unit economics by approval cohort, not by acquisition channel. Charge-off curves, NIM, recovered/blocked, and a KYC-pass rate that reconciles with the originator system.
Fintech · metric tree
- M-01
NIM
Net Interest Margin per product per cohort, with paid-up vs. originated denominators reconciled monthly.
- M-02
Charge-off rate
30/60/90 vintage curves, with a watermark on the loan-tape lifecycle so curves don't shift retroactively.
- M-03
Approval rate
By KYC tier, by channel, by product. Mapped against the originator log so disputes resolve in minutes.
- M-04
Fraud rate
Chargebacks + first-party fraud + AML flags. Joined to the case management system, not just the payments processor.
- M-05
Funded-deposit rate
% of approved accounts that fund within 30 days. The leading indicator most ops teams undermeasure.
How it ships
Postgres CDC + Snowflake + dbt + a metric layer + a SOC2-ready warehouse-replica role.
outcome
Charge-off curves consistent across the credit committee, the CFO's deck, and the regulator's request — same number, same definition, same vintage.
Wire a real pipeline to your warehouse
30-min stack review. We come back with a scoped plan, an owner, and a freshness contract. No SDR, no slide deck.