AI analytics for fintech lenders & analysts

Default rate, 30/60/90 delinquency, NPL, vintage cohorts, unit economics per loan — instant credit portfolio analysis.

Metrics computed automatically

• Default Rate: defaulted loans / total originated
• 30 / 60 / 90 DPD Delinquency: loans past due by bucket / total active
• Non-Performing Loan Ratio (NPL): NPL balance / total loan balance
• Net Charge-Off Rate: (charge-offs − recoveries) / average balance
• Vintage Cohort Delinquency: delinquency by month-on-book per origination cohort
• Unit Economics per Loan: (interest + fees − losses − opex) / loans originated

Frequently asked questions

What loan tape formats does Talon support?

Any CSV or Excel loan tape. Talon auto-detects standard columns (origination date, balance, status, FICO, term, rate) and runs the full credit metric suite.

What credit metrics does Talon compute?

Default rate, 30/60/90+ DPD delinquency, NPL ratio, net charge-off rate, vintage cohort curves, unit economics per loan, and risk-band segmentation.

Can Talon generate investor reports?

Yes — Talon generates portfolio decks (PPT) and one-page reports (PDF) with KPI summary, vintage charts, and commentary.

Is my data secure?

All data is encrypted at rest and in transit, isolated per user, and never used for model training. Talon runs on Google Cloud / Firebase infrastructure. We are not yet SOC 2 certified.