Portfolio Dashboard

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Overview

The Portfolio Dashboard provides a comprehensive view of your entire debt portfolio's performance. This executive-level report displays key metrics including placement values, collection totals, liquidation rates, and payment trends across all your portfolios. It's designed to give management teams instant visibility into portfolio health and performance against targets.

Key Benefits

• Monitor Portfolio ROI: Track actual liquidation rates against targets to ensure portfolios meet performance expectations
• Identify Trends: Compare current month performance with historical data to spot emerging patterns
• Make Strategic Decisions: Use placement dates and liquidation metrics to guide future portfolio acquisitions
• Track Cash Flow: Monitor posted payments, pending amounts, and collection velocity
• Manage Client Relationships: View performance by client to strengthen partnerships

Understanding Your Data

Key Metrics

Column	Description	How to Use It
ClientName	The client who placed the portfolio	Group portfolios by client for relationship management
Portfolio	Unique portfolio identifier	Track individual portfolio performance over time
DatePlaced	When the portfolio was acquired	Calculate age and expected performance curves
Principal	Original placement amount	Baseline for calculating liquidation rates
ActivePrincipal	Principal excluding new assignments	More accurate base for liquidation calculations
TotalPosted	Successfully collected payments	Hard revenue already in the bank
TotalPending	Scheduled but unprocessed payments	Near-term revenue pipeline
TotalCollected	Posted + Pending payments	Total recovery to date
CurPosted	Current month posted payments	Monthly performance tracking
CurPending	Current month pending payments	Month-end revenue projection
TargetLiq	Target liquidation percentage	Performance benchmark set at placement
PostedLiq	Posted amount ÷ Active Principal	Actual cash-in-hand performance
TotalLiq	Total Collected ÷ Active Principal	Overall recovery rate including pending
Needed	Amount required to hit target	Gap analysis for goal achievement

Understanding Liquidation Rates

Liquidation rate is the percentage of the original debt that has been collected. For example:

• A 10% liquidation rate means $10 collected for every $100 in placed debt
• Industry standards typically range from 5% to 25% depending on debt type and age
• Fresh debt typically yields higher liquidation rates than older accounts

Setting Target Liquidation Rates

Target liquidation rates are set when creating or editing portfolios. This allows you to establish performance benchmarks specific to each portfolio based on factors like debt age, type, and quality.

Edit Portfolio dialog showing where to set the Target Liquidation Rate

To set or update a target liquidation rate:

1. Navigate to Clients & Portfolios in the main menu
2. Select the client and locate the portfolio
3. Click the edit icon for the portfolio
4. Enter the desired percentage in the Target Liquidation Rate field
5. Click Save to apply the new target

The target rate will then appear in the Portfolio Dashboard report, allowing you to compare actual performance against your expectations.

Payment Status Definitions

• Posted: Payments that have been successfully processed and deposited
• Pending: Payments scheduled or in process but not yet cleared
• Total: Combined posted and pending amounts

Using This Report

Common Use Cases

Monthly Performance Reviews

• Compare CurPosted and CurPending to previous months
• Identify portfolios exceeding or falling short of targets
• Analyze trends in payment velocity

Portfolio Acquisition Decisions

• Review historical liquidation rates by client
• Compare actual performance (TotalLiq) to targets (TargetLiq)
• Use data to negotiate future portfolio pricing

Cash Flow Management

• Monitor TotalPending for upcoming revenue
• Track CurPosted for current month receipts
• Project future collections based on liquidation trends

Client Relationship Management

• Group portfolios by ClientName to show client-specific performance
• Demonstrate value through liquidation rate achievements
• Identify opportunities for additional placements

Taking Action

When Liquidation Rates Are Below Target

1. Analyze Portfolio Age: Newer portfolios may need more time to ramp up
2. Review Collector Assignment: Ensure adequate resources are allocated
3. Check Account Quality: Some portfolios may have been overvalued at placement
4. Implement Campaigns: Consider special collection efforts for underperforming portfolios

When Liquidation Rates Exceed Target

1. Document Success: Capture strategies that led to over-performance
2. Request Bonuses: Use data to negotiate better terms with clients
3. Seek Similar Portfolios: Target additional placements from successful clients
4. Share Best Practices: Replicate successful approaches across other portfolios

Optimizing Current Month Performance

• Monitor CurPending daily to ensure payments process successfully
• Focus collection efforts on portfolios close to their targets
• Prioritize portfolios with high Needed amounts for intensive campaigns

Related Reports

• Portfolio Liquidation by Collector - Drill down to see individual collector performance within each portfolio
• Financial Dashboard - View collector-level payment details and bonus calculations
• Payment Dashboard - See individual payment transactions that comprise these totals