EMOB Analysis - Credit Card Analytics

Early Months on Book (EMOB) Analysis

Fulfillment Lag

Days (Issue to Activate)

Instant Activation

% Virtual Cards

PIN Set Rate

% Active Cards

First Use Lag

Days (Activate to Txn)

First Payment Lag

Days (Activate to Pay)

Action Lists (EMOB Triggers)

Activation Pending (>10 Days) 0

Usage Pending (>7 Days) 0

Payment Pending (>45 Days) 0

Early High Util (>50%) 0

Vintage Analysis

Vintage Analysis (Triangle Heatmap)

Delinquency %

NCM %

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B8 EMOB Cohort Funnel (MOB 0-6)

Activation -> First Spend -> Repeat -> Revolver, per cohort

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Lifecycle Reports (B1 - B9)

B1 Delivery SLA --

B2 Lifecycle Funnel --

B3 Virtual vs Physical Activation --

B4 Dormancy & Reactivation --

B5 Renewal & Post-Renewal Use --

B6 Reissue Reasons --

B7 Upgrades vs Downgrades (CR only) --

B9 First-Payment Default (CR only) --