HawkEye — Portfolio Surveillance & Risk Intelligence

Know which borrowers are drifting into stress before it shows up.

HawkEye monitors live loan portfolios through liquidity shifts, repayment behaviour, external funding patterns, and anomaly triggers — surfacing risk weeks before delinquency appears.

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5
Interpretation Layers
18+
Risk Dimensions
Live
Portfolio Monitoring
Early
Warning Before Slippage
Five-Layer Engine

From raw transactions to explainable early warnings

1
Identity & Income
Core inflow base, account profile and borrower baseline
2
Liquidity & Cashflow
Net cashflow, average balance, utilisation pressure
3
Repayment & Funding
EMI behaviour, OD usage, top-up dependence
4
Behavioural Drift
Spend-shape shifts, narration flags, counterparty signals
5
Anomaly & Composite
Unified EWS score and portfolio-level composite view
Signal Detection

Four signal classes. One unified view.

Liquidity Stress

  • Declining average balance & weaker liquidity cushion
  • Persistent negative or shrinking net cashflow
  • Cashflow volatility and utilisation build-up
  • Stress signals weeks before repayment failure

Repayment Pressure

  • EMI bounce signals and streak behaviour
  • Obligation pressure despite continued outflows
  • Repayment inconsistency across recent cycles
  • Weakening formal credit ecosystem behaviour

External Dependency

  • Serial top-up patterns and disbursal share spikes
  • OD usage rising in weak-income phases
  • Seasonal or structural external funding reliance
  • Funding dependence rising in stressed months

Behavioural & Anomaly Drift

  • Spend-shape change and non-core outflow diversion
  • Narration red flags and intent instability
  • Atypical behaviour magnitude and model anomalies
  • Composite behavioural + liquidity evidence
Risk Coverage

18+ dimensions. Nothing slips through.

3 signals

Income & Identity

Borrower baseline & profile
•Segment profile & switch behaviour
•Income stability & trend direction
•Credit utilisation behaviour
3 signals

Liquidity & Cashflow

Balance, flow & cushion health
•Liquidity & cashflow stability
•Liquidity cushion depth
•Utilisation & leverage pressure
2 signals

Repayment & Funding

EMI patterns & external reliance
•Repayment behaviour & EMI streaks
•External / seasonal funding reliance
4 signals

Outflow Patterns

Spend shape & fund diversion
•Outflow pressure & non-essential spend
•Essential / recurring outflows
•Diversions & non-core outflows
•Cash dependence & informality
2 signals

Compliance & Network

Regulatory & counterparty risk
•Govt / tax / compliance hygiene
•Counterparty / network risk
4 signals

Behaviour & Anomaly

Pattern drift & composite EWS
•Narration red flags & behaviour
•Volatility & seasonality
•Anomaly / atypical behaviour
•Composite EWS layer
CART Ecosystem

Standalone product. Stronger within CART.

CART

Decision at Origination

Underwriting intelligence for credit decisions

  • Underwriting intelligence and transaction analysis
  • Document and data interpretation for credit decisions
  • Fraud and risk signals at application stage
  • Decision support for loan approval workflows
HawkEye

Intelligence After Booking

Continuous monitoring for live portfolios

  • Continuous borrower and portfolio monitoring
  • Stress detection from live transaction behaviour
  • Explainable alerts and anomaly interpretation
  • Early warning support for risk & collections

See HawkEye in 15 minutes

Schedule a live walkthrough of Hawkeye's monitoring engine, signal logic, and alert interpretation — tailored to your portfolio.

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