Loss driver intelligence · For direct subprime lenders
Which segments are eating your book.
You lend direct to borrowers, no dealers to blame. So loss attribution has to come from the credit box itself: which FICO band, vehicle type, vehicle age, term, advance rate, affordability, and geography are running hot. This scans every segment, ranks them by how much of your total loss they carry, and flags the combinations the aggregate hides.
▶ You are here · Direct lender
You own the underwriting decision. Loss is driven by borrower & collateral segments, credit tier, vehicle profile, mileage, LTV, term, PTI, geography. Tune the credit box; that is your lever.
Indirect lender · The "Ally way"
You buy paper from a dealer network. Loss is driven by
which dealers send bad paper. Use the
dealer dashboard instead, same engine, dealer axis.
Segments driving loss
Ranked by share of total net loss · vs book avg
Worst combinations
Cross-cut intersections
Synthetic demo, public method.
The demo is synthetic. Use it to see how segment attribution works before loading a local CSV. Nothing is transmitted, and the page is intended as an educational tool.
Open direct-lender data report →