What is vintage analysis?
Delinquency by months-on-book across cohorts.
The same idea as a static pool, arranged to compare cohorts at the same age: how each month's disbursement looked at six months on book, at twelve, at eighteen. Arranging by age rather than by calendar date is what makes the cohorts comparable at all.
Why does vintage analysis matter?
It answers the one question a portfolio-level number cannot: is the credit policy working better or worse than it was a year ago. Everything else about a book is confounded by its growth rate.
What a lending system has to do about vintage analysis
Specified alongside static pool in the report catalogue and gated on the same snapshot. Named here because a lender's diligence pack will ask for it, and knowing it is a near-term requirement is more useful than finding it absent.
Related terms
- Static pool analysis — How one cohort of loans performed over time.
- NPA (non-performing asset) — An account where payment is overdue beyond the prescribed period.
From the people who wrote this
Run your lending on Lenviq
The section above describes what a lending system has to do about this term. Lenviq does it — on every account, computed at day-end, with the direction it comes from recorded against it.
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