What happened, what is coming, and what to do about it.
Historical, trended and forward-looking analytics across your whole book. The AI surfaces the cohorts, risks and opportunities that matter, and suggests the model and rule changes to act on, in real time.
Three horizons, one view of your book.
Look back, see the trend, and look ahead, then close the loop on what each decision actually did.
Historical
What actually happened across approvals, arrears, recoveries and payouts, cut any way you need.
Trended
Where your book is heading, cohort by cohort, so a slow drift shows up long before it bites.
Forward-looking
Forecast arrears, prepayment and surplus erosion before they land, not after.
Outcome reporting
If you declined them, where did they go, and did they perform. Close the loop on every decision.
Cohort discovery
AI groups customers by behaviour you never defined, surfacing segments worth acting on.
AI that works the book
It reads every cohort for risk and opportunity and suggests the model and rule changes to act on, in real time.
If you said no, where did they go?
Outcome reporting follows the applicants you declined and the ones you approved, so you learn whether your policy was right, not just whether it felt safe. Every decision becomes evidence for the next one.
AI that never stops reading your book.
It watches for opportunity and risk at the same time, finds the cohorts that matter, and tells you the model and rule changes worth making, the moment they are worth making.
Opportunity
Underserved segments you could approve, cross-sell openings and pricing headroom, surfaced automatically.
Risk
Emerging arrears pockets, concentration and affordability erosion flagged while there is still time to act.
Cohorts
Behavioural segments discovered in the data, not hard-coded, and tracked as they move.
Model suggestions
Where a score is drifting or a feature is losing power, it proposes the retrain or reweight.
Rule changes in real time
Policy and knockout tweaks recommended as the book moves, ready to review and apply.
Review, then apply
Every suggestion comes with its evidence. Nothing changes your lending without a human saying yes.
One product, wired into the whole platform.
Analytics reads from the same unified data and ledger as the rest of Credit Canary, so every insight is built on the decisions, payments and journeys you already run. Buy it on its own, or let it close the loop on everything else.
Explore the platformSee your whole book, clearly.
Book a demo and we will show you the historical, trended and forward-looking view of a book like yours, and the changes the AI would suggest.