# Back-testing process ## 1. Requirements for input parameters {% hint style="warning" %} **Loan Eligibility Disbursement Window** – mandatory window of at least 6 months and at most 12 months in the past. Example – if today is 1st January 2026, the sample should consist of loans no older than 1st January 2025 and no recent than 1st July 2025 {% endhint %} A csv/xlsx file containing the following columns: * Phone number * Email address * Application date * Loan Performance (GB Flag – indicator if the loan was repaid or not) * ID number (optional) * ID type (optional) * First Name + Last Name (optional) * Date of birth (optional) {% file src="" %} To receive a sufficient number of matches, we request a **minimum of 20k records per sample.** 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 NameDescription
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 NameDescription
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
loanInfoStatusCodeRejected, 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
## 3.Predictive Power Assessment [lenderlink-data-predictive-power-assessment](https://docs.lenderlink.ph/backtesting-guides/back-testing-process/lenderlink-data-predictive-power-assessment "mention")