National Underwriting Intelligence Core
Every credit check must be tied to the borrower's permission. The best proof is an SMS code: the borrower receives it on their phone and reads it back to you.
Record consent another way (paper form, branch, call)
Run this right before paying out a loan. It checks every phone number linked to the Ghana Card, borrowing at other lenders, shared devices, and whether the borrower can afford the repayments.
Report each loan after you pay it out, then keep its status up to date: Late, Repaid or Defaulted. This is what the pilot report uses to show your real default rates.
Report a new loan
Decision Engine Recommendation
Risk Tier
Total Loans
Active
Repaid
Late Pmt
Defaults
HMAC-SHA256 REPORT SIGNATURE:
Borrowers who challenge a record you reported. Review each one and correct it or explain why it stands.
Send all your loans at once from one file. In Excel, use File > Save As > CSV (Comma delimited). Loans you already sent are updated, not duplicated.
Columns: ghana_card_number, loan_reference, loan_amount, monthly_payment, repayment_status (ACTIVE, LATE, REPAID, DEFAULTED, SETTLED), and optional msisdn, network, opened_date.
Agree a plan with a late or defaulted borrower, record each payment, and track what you have recovered. When a plan is paid off, the loan closes as REPAID, or SETTLED if you accepted less.
Create a repayment plan
What Vistroy caught for you, and what happened to the loans you paid out afterwards.
See whether your account is approved, create a new key, and turn off old ones. New here? Apply for an account.