Portfolio / intelligence fabric
WOW 3 · Early warning while current
The account is green in the LMS. The fabric reconciles operating signals against the assumptions that made the sanction safe, before the account moves through the overdue bands defined in .
Traditional LMS
CURRENT
0 DPD · payment honoured · nothing to see
A servicing status, not an operating-health diagnosis.
Intelligence fabric
EARLY WARNING
0 of 6 signals reconciled
Signal → sanction assumption reconciliation
No score is substituted for a reason. Every alert names the assumption it violates and the next human action.
Awaiting deterministic scan…
Sanction assumption
Statutory filings remain timely
Reconciliation held until the source is read.
Awaiting deterministic scan…
Sanction assumption
Revenue ramps toward the projected turnover path
Reconciliation held until the source is read.
Awaiting deterministic scan…
Sanction assumption
Reported sales reconcile to tax-paid sales
Reconciliation held until the source is read.
Awaiting deterministic scan…
Sanction assumption
Bank credits track the sanctioned cash-flow projection
Reconciliation held until the source is read.
Awaiting deterministic scan…
Sanction assumption
Existing security remains available and undisclosed borrowing is absent
Reconciliation held until the source is read.
Awaiting deterministic scan…
Sanction assumption
Receipts remain diversified across buyers
Reconciliation held until the source is read.
Account state
Red-flagged account · RM intervention recommended
This is not an NPA and not a default. It is intelligence before default, while the account remains in the current servicing band.
Human boundary
The model flags and explains. The relationship manager investigates. Only the bank decides what enters the account record.
The model flags and explains. The relationship manager investigates. Only the bank decides what enters the account record.