Debt portfolios

Autonomous Portfolio Control

Persisted exposure, prioritisation and governed next actions across every recovery portfolio.

Total arrearsKES 178.0M3,089 accounts

Cash recoveredKES 34.78M+18.6% MTD

Digital recovery67.0%+4.8pp

Active promises412KES 8.62M

Broken promises70−12 vs prior

Protected cases196No automated contact

Exposure intelligence

Delinquency ageing

LEDGER VERIFIED

31–60 DPD is the largest exposure band at KES 52.2M; 38% of those accounts remain in high-likelihood segments.

Policy protection

84Hardship or vulnerability42.9%

51Active dispute26.0%

39Wrong number19.9%

22Opt-out / consent11.2%

Recovery likelihood

621Very highKES 28.4M

984HighKES 54.7M

812MediumKES 51.2M

476LowKES 32.9M

196ProtectedKES 10.8M

Strongest positive factorsRecent partial paymentVerified mobileSalary date proximityNever used as an adverse credit decision

Risk exceptions

27cases outside ordinary automation

Prioritised recovery worklist

Ordinary actions are executed by the policy-constrained orchestration engine.

Borrower	Facility	DPD	Arrears	Likelihood	Contactability	Verification	Customer PTP	Protection	Next autonomous action
AW Amina WanjikuBRW-02491	HF-847291Salary Advance	18	KES 28,400KES 118,750 total	86%	High	Verified	Confirmed	Clear	PTP reminder · 24 AugToday, 10:42
BK Brian KiptooBRW-01847	AF-118043Asset Finance	42	KES 76,350KES 482,000 total	72%	High	Verified	Partially fulfilled	Clear	Permitted SMS reminderToday, 09:18
MA Mercy AtienoBRW-03102	DC-490118Digital Credit	11	KES 12,850KES 34,800 total	91%	High	Verified	None	Clear	Eligibility review · 14:00Yesterday, 16:02
DM David MwangiBRW-00738	SME-770912SME Working Capital	67	KES 194,200KES 913,500 total	44%	Medium	Pending	Broken	Dispute	Compliance review20 Aug, 12:31
FH Fatuma HassanBRW-02664	MC-882104Microcredit	29	KES 41,700KES 98,300 total	63%	Medium	Verified	None	Hardship	Hardship hold · 7 days19 Aug, 17:44
PO Peter OumaBRW-03911	BNPL-390145Pay-in-4	8	KES 6,250KES 6,250 total	94%	Low	Suppressed	None	Wrong number	No contact18 Aug, 08:08
GN Grace NjeriBRW-01156	PL-630417Personal Loan	35	KES 53,800KES 201,400 total	78%	High	Verified	Confirmed	Clear	PTP reminder · Today17 Aug, 19:20

Portfolio benchmark

Portfolio	Accounts	Arrears	Recovered	Digital rate	PTP kept	Cure rate
Nairobi Business	842	KES 42.6M	KES 8.42M	73.8%	71.4%	22.7%
Salary Advance	718	KES 31.2M	KES 6.16M	71.2%	73.1%	25.3%
Asset Finance	405	KES 67.8M	KES 5.84M	68.6%	65.8%	18.9%
Digital Credit	1,124	KES 18.4M	KES 4.46M	65.4%	69.2%	29.1%