Analytics and Reporting
Overview
TimveroOS provides business intelligence capabilities through integrated BI Dashboard (Apache Superset) for monitoring lending operations, portfolio performance, and operational metrics. The platform captures data from applications, workflows, and servicing operations to enable real-time analytics and reporting.
Reporting Capabilities
BI Dashboard Access
Location: Main Menu → BI Dashboard Technology: Apache Superset
Features:
Visual dashboards with charts and graphs
SQL-based data queries
Real-time and historical analytics
Scheduled report generation
Export capabilities (CSV, PDF)
Role-based access control
Available Data Sources
Application Data:
Application volumes and trends
Status distribution
Processing times
Approval/decline rates
Channel performance
Product mix
Portfolio Data:
Outstanding loan amounts
Payment performance
Delinquency rates
Product distribution
Geographic analysis
Vintage analysis
Workflow Data:
Decision outcomes
Automation rates
Manual review volumes
Data Source performance
Processing times
Error rates
Operational Data:
User activity
Task completion times
Department workload
System performance
API response times
Dashboard Configuration
Step 1: Create Dashboard
Navigate to BI Dashboard
Select "Create Dashboard"
Choose layout template
Add visualization widgets
Step 2: Configure Widgets
Widget Types:
Line charts (trends over time)
Bar charts (comparisons)
Pie charts (distributions)
Tables (detailed data)
Maps (geographic data)
KPI cards (single metrics)
Configuration Options:
Select data source
Define metrics to display
Choose dimensions for grouping
Apply filters
Set time range
Configure refresh rate
Step 3: Set Permissions
Assign dashboard to user roles
Configure data access levels
Set view/edit permissions
Schedule automated refresh
Common Dashboard Examples
Example 1: Daily Operations Dashboard
Purpose: Monitor real-time application processing
Widgets:
Application Volume (Line chart)
Applications by hour
Today vs. yesterday comparison
7-day trend
Status Distribution (Pie chart)
New, In Progress, Approved, Declined
Percentage breakdown
Processing Times (Bar chart)
Average time by stage
Target vs. actual
Decline Reasons (Table)
Reason categorization
Count and percentage
Example 2: Portfolio Performance Dashboard
Purpose: Track loan portfolio health
Widgets:
Outstanding Balance (KPI card)
Total portfolio value
Month-over-month change
Delinquency Rates (Line chart)
30/60/90 day delinquency trends
By product type
Payment Performance (Stacked bar)
On-time payments
Late payments
Missed payments
Product Distribution (Pie chart)
Outstanding balance by product
Loan count by product
Example 3: Credit Decision Analytics
Purpose: Analyze automated decision performance
Widgets:
Automation Rate (KPI card)
Straight-through processing percentage
Manual review percentage
Decision Distribution (Stacked area)
Approvals, Declines, Manual Review
Trend over time
Score Distribution (Histogram)
Credit score ranges
Approval rate by range
Data Source Performance (Table)
Success rate per source
Average response time
Error count
Example 4: User Productivity Dashboard
Purpose: Measure team performance
Widgets:
Applications Processed (Bar chart)
Per user/department
Daily volume
Manual Review Times (Box plot)
Average completion time
Distribution by complexity
Workload Distribution (Heat map)
Tasks by user and day
Capacity utilization
Standard Reports
Application Reports
Daily Application Summary
Application count by channel
Status distribution
Conversion rates
Average processing time
Product Performance Analysis
Application volume by product
Approval rates per product
Average loan amount
Popular term lengths
Channel Effectiveness
Applications by channel
Conversion rates
Processing times
Cost per acquisition
Risk Reports
Decline Analysis
Decline reasons by frequency
Decline rate by product
Score distribution of declines
Manual override analysis
Score Distribution
Credit score ranges
Approval rate by score band
Decline rate by score band
Manual review triggers
Portfolio Risk Indicators
Delinquency roll rates
Vintage performance
Risk concentration
Covenant compliance
Operational Reports
User Activity Summary
Login frequency
Task completion rates
Average handling time
Productivity metrics
System Performance
API response times
Data Source reliability
Workflow execution times
Error rates
Process Efficiency
Cycle time by stage
Bottleneck identification
Automation effectiveness
Manual intervention frequency
Data Integration for Reporting
Internal Data Sources
Application database
Loan servicing database
Workflow execution logs
User activity logs
Audit trail data
Data Refresh
Real-time data for operational dashboards
Cached data for historical reports
Scheduled refresh (hourly, daily, weekly)
Manual refresh on demand
SQL Query Access
BI Dashboard supports custom SQL queries for:
Complex metrics calculation
Data joining across tables
Custom aggregations
Specialized reporting needs
Implementation Resources
Through Admin Panel (Step 2)
Analytics Configuration:
BI Dashboard - Dashboard setup and configuration
Analytics and Reporting - Complete analytics guide
Through SDK (Step 1)
Advanced Customization:
Custom data transformations
Complex calculated metrics
Integration with external BI tools
Specialized visualization types
Best Practices
Dashboard Design
Focus on key metrics (5-7 widgets max)
Use appropriate chart types
Keep real-time data for operations
Use scheduled refresh for historical analysis
Group related metrics together
Performance Optimization
Cache frequently-accessed data
Use appropriate aggregation levels
Limit date ranges for large datasets
Schedule resource-intensive reports during off-peak
Data Governance
Define metric definitions clearly
Document calculation logic
Maintain consistent naming conventions
Regular data quality checks
Security
Role-based dashboard access
Row-level security for sensitive data
Audit log review access
Regular permission audits
Troubleshooting
Common Issues
Slow Dashboard Performance:
Reduce date range
Increase cache duration
Optimize SQL queries
Check data source performance
Missing Data:
Verify data refresh schedule
Check data source connections
Review query filters
Validate permissions
Incorrect Metrics:
Verify calculation logic
Check data source accuracy
Review aggregation levels
Validate time zone settings
Related Topics
Loan Servicing - Servicing data for portfolio analytics
Workflow Tool - Decision data for workflow analytics
Data Sources - External data integration for enriched analytics
TimveroOS: Real-time analytics for data-driven lending decisions
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