AI Debt Recovery & NPL Loan Restructuring Portal
Model restructured EMI workout plans, penalty interest waivers, CRB Metropol/TransUnion clearance schedules, and automated M-Pesa repayment STK push triggers.
CBK Prudential & CRB Recovery Framework
AI Debt Recovery & NPL Loan Restructuring Portal
Model restructured EMI workout plans, interest haircut waivers, CRB Metropol/TransUnion clearance schedules, and M-Pesa STK Push triggers.
WORKOUT AFFORDABLE (DTI 34.4%)
Defaulted Loan Parameters
Defaulted Loan Balance (Stage 3 NPL)KES 350,000
Days in Arrears (Days Past Due)120 Days
Borrower Verified Monthly Disposable Income (KES)KES 45,000
Monthly EMI Workout
KES 15,487
Over 24 months
Propensity-to-Pay Score
100 / 100
M-Pesa STK Push Active
Waived Interest Savings
KES 21,000
15% Waiver Applied
CRB Status Trajectory
CRB WORKOUT SCHEDULED
Metropol / TransUnion
AI Debt Recovery Recommendations
- Affordable EMI KES 15,487/mo: Member qualifies for CRB Workout Listing status upon 1st M-Pesa installment.
- Propensity-to-Pay Score 100/100: Auto-scheduled monthly M-Pesa Daraja STK Push prompt enabled.