Fintech Analytics

AI analytics for
fintech lenders & analysts

Default rate, 30/60/90 delinquency, NPL, vintage cohorts, unit economics per loan, instant credit portfolio analysis.

Free plan · 100 credits/mo · No SQL required

Every Fintech KPI, computed automatically

Upload your data once. Analyst's AI analyst engine computes the full fintech metric suite, no formulas, no SQL, no analyst required.

Default Rate

defaulted loans / total originated

30 / 60 / 90 DPD Delinquency

loans past due by bucket / total active

Non-Performing Loan Ratio (NPL)

NPL balance / total loan balance

Net Charge-Off Rate

(charge-offs − recoveries) / average balance

Vintage Cohort Delinquency

delinquency by month-on-book per origination cohort

Unit Economics per Loan

(interest + fees − losses − opex) / loans originated

COMPUTED OUTPUT

Net revenue · 180 days

$5.20M

= Σ gross_amount − refunds · 24,623 orders

Gross margin

53.8%

= (rev − cogs) / rev

Repeat order rate

23.4%

= repeat orders / orders

Verified

Σ gross_amount over 24,623 orders = $5.20M

df["gross_amount"].sum()→ $5.20M

SOURCE cascade_orders.csvORDERS 24,623ENGINE PYTHON · IN-BROWSER

Stop spending your week in Excel

Analyst handles the repetitive analysis so you can focus on decisions.

Loan tape analysis takes a week in Excel

Vintage cohort curves rebuilt manually each month

Hard to spot which credit segment is deteriorating

Investor reports always behind schedule

Ask Analyst anything

Just type, no SQL, no formulas. Ask Analyst anything about your clients:

Run a credit portfolio review: default rate, 90 DPD, NPL

Build vintage cohort delinquency curves by origination month

Identify the FICO band with highest charge-off rate

Compute unit economics per loan by product type

Three steps to fintech insights

Upload your data

CSV, Excel, PDF, or connect your fintech platform directly. CSV up to 250MB per file.

AI does the analysis

The Analyst computes every relevant KPI, flags risks, and generates charts in under 60 seconds.

Get shareable insights

Download PDFs, share dashboards, embed charts, schedule re-runs. Built for execs and teams.

$15/month. No analyst required.

Pro plan = unlimited datasets, all AI models, scheduled re-runs, advanced connectors.

See full pricing

Fintech analytics. FAQ

What loan tape formats does Analyst support?

Any CSV or Excel loan tape. Analyst auto-detects standard columns (origination date, balance, status, FICO, term, rate) and runs the full credit metric suite.

What credit metrics does Analyst compute?

Default rate, 30/60/90+ DPD delinquency, NPL ratio, net charge-off rate, vintage cohort curves, unit economics per loan, and risk-band segmentation.

Can Analyst generate investor reports?

Yes. Analyst generates portfolio decks (PPT) and one-page reports (PDF) with KPI summary, vintage charts, and commentary.

Is my data secure?

All data is encrypted at rest and in transit, isolated per user, and never used for model training. Analyst runs on Google Cloud / Firebase infrastructure. We are not yet SOC 2 certified.

AI analytics for fintech lenders & analysts