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This is a live look at the Coreunda dashboard, built from synthetic data — the exact page a customer sees for their own portfolio, including behavioral, cross-product risk profiling — every chart, every drill-down, generated from the same engine, live. A downloadable report version of this view will be available in the customer portal.

Portfolio Dashboard — Behavioral, Cross-Product ECL

Portfolio: FILE-SOURCED Macro: FILE-SOURCED
60
Contracts
6,385,263
Total principal
3,364,627
12-month ECL (52.69%)
5,548,212
Lifetime ECL (86.89%)
3,370,226
Recognized ECL — by stage (52.78%)

Scenario probability weights

Proposed by the scenario engine from the bootstrap ensemble — this is a starting point for the customer's model governance function to review and approve, not a final answer the platform decides on its own.

Worse 0.00% Bad 27.65% Base 72.35% Good 0.00% Better 0.00%

Macro scenario curves — unemployment_rate

The curve actually driving the ECL above: each named scenario's path for the ranking variable, across the horizon. This is the transparency the platform is built around — every number traces back to a visible assumption, not a black box.

WorseBadBaseGoodBetter
36.03 26.36 16.68 7.01 -2.67 1 178 354 Month of horizon

gdp_growth

6.99 3.69 0.38 -2.92 -6.23 1 178 354 Month

cpi_inflation

25.81 13.66 1.52 -10.62 -22.77 1 178 354 Month

Lifetime ECL by risk band

2,714,395 2,035,796 1,357,198 678,599 0 A 561,366 B 1,233,547 C 2,714,395 D 564,687 E 474,217

Lifetime ECL by product type

5,470,770 4,103,078 2,735,385 1,367,693 0 installment 5,470,770 revolving 77,442

IFRS 9 stage distribution

Stage from each contract's actual delinquency bucket (30+ DPD → Stage 2, 90+ DPD → Stage 3) — not assumed from risk band. Stage 1 recognizes 12-month ECL; Stage 2/3 recognize lifetime ECL.

57 43 28 14 0 Stage 1 57 Stage 2 1 Stage 3 2

Recognized ECL by product vertical

3 contract(s) currently carry a cross-product PD overlay — clean on this product, but their same customer is delinquent on another one.

3,294,587 2,470,940 1,647,293 823,647 0 housing_loan 3,294,587 credit_card 54,198 bnpl 21,441

ECL outliers, within each portfolio

One dot per contract, sorted by recognized ECL within its own portfolio — comparing a housing loan against a bnpl contract on the same scale would just show every housing loan as an "outlier," so each vertical gets its own scale here. Hover a dot for its contract ID and figure; a contract that's both an outlier and Stage 2/3 (outlined) is worth a second look first.

Stage 1Stage 2Stage 3 (outlined = Stage 2/3)

bnpl (20 contracts)

17,729 13,297 8,864 4,432 0 Recognized ECL BNPL-002: 16,415 BNPL-052: 1,208 BNPL-057: 967 BNPL-045: 872 BNPL-007: 435 BNPL-038: 356 BNPL-059: 341 BNPL-036: 272 BNPL-016: 180 BNPL-017: 144 BNPL-055: 98 BNPL-039: 70 BNPL-041: 51 BNPL-040: 29 BNPL-014: 3 BNPL-050: 1 BNPL-018: 1 BNPL-001: 0 BNPL-008: 0 BNPL-026: 0 Contracts (each dot is one contract)

credit_card (20 contracts)

6,734 5,050 3,367 1,683 0 Recognized ECL CRED-044: 6,235 CRED-048: 5,911 CRED-042: 5,045 CRED-003: 3,951 CRED-047: 3,865 CRED-025: 3,782 CRED-031: 3,177 CRED-023: 2,822 CRED-054: 2,438 CRED-019: 2,416 CRED-006: 2,408 CRED-030: 2,365 CRED-058: 2,359 CRED-010: 1,992 CRED-013: 1,961 CRED-051: 1,241 CRED-012: 1,215 CRED-049: 689 CRED-027: 279 CRED-043: 46 Contracts (each dot is one contract)

housing_loan (20 contracts)

484,474 363,356 242,237 121,119 0 Recognized ECL HOUS-029: 448,587 HOUS-033: 373,694 HOUS-020: 347,729 HOUS-011: 331,122 HOUS-046: 250,556 HOUS-004: 223,789 HOUS-024: 176,271 HOUS-053: 175,057 HOUS-000: 157,454 HOUS-056: 117,448 HOUS-034: 114,072 HOUS-037: 111,422 HOUS-021: 107,335 HOUS-009: 81,299 HOUS-035: 68,074 HOUS-032: 60,764 HOUS-028: 60,528 HOUS-005: 59,109 HOUS-015: 15,789 HOUS-022: 14,485 Contracts (each dot is one contract)

Contract-level drill-down

Pick any contract to see its full monthly ECL path under every scenario — the same breakdown a customer-facing explainability export would draw from, per contract, per month, per scenario.