Dashboards
The Dashboard in Check provides a centralized view of credit decisioning performance, risk metrics, and operational efficiency. It empowers users to monitor key indicators such as approval trends, decision turnaround times, and analyst productivity across various product types and dealerships. Designed for credit analysts, managers, and decision-makers, the Dashboard transforms raw data into actionable insights through interactive charts, performance summaries, and benchmarking visualizations, allowing institutions to continuously optimize their credit processes.
Filters
Users can refine dashboard data using the following filter options to customize their view:
- Lines: Select from Lease, Finance, or Cash, or choose All to include every line type in the dashboard analysis.
- Dealerships: Choose a specific dealership or select All Dealerships to review aggregated data across all locations.
- Types: Filter by New, Certified Pre-Owned (CPO), or Pre-Owned vehicles, or select All to view data across all inventory categories.
- Pick Date Range: Define the reporting period to analyze trends over a custom date range.
Approval Rate
Displays the percentage of submitted applications that received approval, helping track overall credit acceptance trends.
Auto Approval Rate
Shows the percentage of applications automatically approved by Check without manual intervention, indicating system efficiency and rule accuracy.
Rejection Rate
Indicates the percentage of credit applications that were declined, enabling identification of stricter thresholds or high-risk applicant patterns.
Average Cycle Time
Provides the average duration (in days) between application submission and final credit decision, reflecting operational speed and efficiency.
Credit Decision Trends
A time-series chart illustrating the volume of approved, rejected, and total applications over the selected period to identify peaks, lulls, or shifts in credit activity.
Risk Score Distribution
Visualizes approval and rejection rates across different risk score bands, allowing users to assess how risk scoring correlates with decision outcomes.
Decision Time Distribution
A pie chart categorizing decision times into segments, offering insight into how quickly most credit decisions are being made.
Loan Product Analysis
A dual-axis chart with vehicle types on the x-axis and metrics like Approval Rate, Profitability, Application Count, and Rejection Rate plotted as line graphs, supporting comparative evaluation across loan products.
Performance Metrics by Loan Product Type
Summarizes total applications, approval rates, and rejection rates by loan product categories such as New Vehicle Loans, CPO Loans, Pre-Owned Loans, and Lease Programs.
Rejection Reason Analysis
A pie chart detailing the distribution of rejection reasons (e.g., Insufficient Income, Poor Credit History), helping identify common causes of application decline.
Performance Benchmarks
A table displaying Current, Target, and Industry values for KPIs such as Approval Rate, Default Rate, Cycle Time, and Cost Per Loan, assisting users in tracking performance against organizational goals and market standards.