Back-testing process

1. Requirements for input parameters

A csv/xlsx file containing the following columns:

• Phone number

• Email address

• Application date

• ID number (optional)

• ID type (optional)

• First Name + Last Name (optional)

• Date of birth (optional)

To receive a sufficient number of matches, we recommend a sample of 20k – 25k records.

The file transfer can be:

a) Sent via e-mail with password protection (password sent via separate channel)

b) Uploaded to an SFTP, prepared by LenderLink team

2. Expected output

a) Summary block – aggregated information for all matched borrowers from all lenders and data sources.

Variable Name	Description
MSIDN	Phone number
num_app	Number of applications
num_acc	Number of disbursed credits
was_dpd_30_ever	Flag if borrower reached 30 dpd ever; 1 - yes, 0 - no
was_dpd_90_ever	Flag if borrower reached 90 dpd ever; 1 - yes, 0 - no
was_dpd_30_last_3_months	Flag if borrower reached 30 dpd in last three months; 1 - yes, 0 - no
was_dpd_90_last_3_months	Flag if borrower reached 90 dpd in last three months; 1 - yes, 0 - no
was_dpd_30_last_year	Flag if borrower reached 30 dpd in last year; 1 - yes, 0 - no
was_dpd_90_last_year	Flag if borrower reached 90 dpd in last year; 1 - yes, 0 - no

b) Full response – records for all credits for up to 5000 unique matched borrowers

Variable Name	Description
RecordID	Unique Identifier
kycSurname	Borrower Surname
kycFirstName	Borrower First name
kycMiddleName	Borrower Middle name
kycDateOfBirth	Borrower Date of Birth
kycIdNumber	Borrower ID number
kycIdType	Type of ID
kycMobileNumber	Borrower Mobile number
kycEmailAddress	Borrower Email address
kycAddress	Borrower Address
loanInfoLoanType	Loan Type
loanInfoOpenDate	Loan Open date
loanInfoLoanTerm	Count of months, loan term.
loanInfoOpenBalance	Loan Open Balance
loanInfoOutstandingBalance	Loan Outstanding Balance
loanInfoNextDueDate	Loan Next Due date
loanInfoLastPaymentAmount	Loan Last Payment Amount
loanInfoLastPaymentDate	Loan Last Payment Date
loanInfoStatusCode	Rejected, Active, Delayed, Collection, Written off, Closed
loanInfoInstallmentAmount	Loan installment amount
loanInfoOverdueAmount	Loan Overdue amount
loanInfoRepaymentFrequency	Monthly, Bi-weekly, Single payment
loanInfoRepaymentHistory	Flag representing all paid and missed instalments
loanInfoCloseDate	Loan Close Date