Credit risk data reports

you as a cross river (cr) credit bin sponsorship partner must supply cross river on a monthly basis with a summary of specific credit risk metrics that are not visible to us we provide you with a common data exchange format ( csv comma separated values) to share these metrics with us this document explains the metrics you need to share with us, the data exchange format, and how to provide the file before you begin ensure you’ve submitted the complete ip access request for crb sftp services form get this form from your cr implementation or relationship manager when cr gets your completed form, we begin the process of setting up your sftp access learn more about set up sftp once you are set up for sftp, ensure you have a \clientcredit subfolder in your cross river sftp folder this is where you’ll put your csv file cr provides you with the full path when you get your access credentials contact your relationship manager with any questions file structure the credit risk metrics file must be formatted in a specific way to prepare the credit risk metrics file use this file naming convention creditriskmetrics partnerabbreviation datetimestamp csv use a 3 to 6 character string for the partnerabbreviation is that clearly refers your organization, and that cross river will understand format the datetimestamp as yyyymmddhhmm if the date and time stamp is automated, the format can include seconds use this file format/delimiter csv (comma separated values) file header use these and only these column names in your file cospartnerid , metricmonth , metricabbrev , metricvalue file footer do not include a footer build the file each row/record in the csv represents a single monthly credit risk metric value each record you send must include entries each of these 4 columns cospartnerid , metricmonth , metricabbrev , and metricvalue the table below explains them in detail list the metrics in whatever order you like no specific order is required cross river bin sponsor card programs can vary you still need to send the entire list of metrics, even if a given metric isn’t relevant if a metric does not apply, give it a metricvalue of 0 your relationship manager will work with cross river’s credit risk team to answer any questions about determining applicable metrics for your program sequence/ position column description format 1 cospartnerid your cr partner id supplied to you by us this id acts as a unique identifier for you so we know which partner supplied the credit risk metrics guid (36 characters) 2 metricmonth the month the credit risk metric record is for this value is the last day of the month the report covers yyyy mm dd (last day of the month) 4 metricvalue the actual credit risk metric supplied as a number (either a count of a metric or a dollar ($) amount) must be a number metric abbreviation catalog metric abbreviation description metric type ($ amount or count) total apps received tar number of completed applications (number of pending, declined, and approved together should equal the number of total apps received) count total apps pending tap number of completed applications that are pending count total apps incomplete tai number of incomplete applications count total apps declined tad number of declined applications count total approvals taa number of approved applications count total subprime approvals (if applicable to your program) tsa number of subprime approvals (less than 660 fico or equivalent) count total application declines overridden/exceptions tado number of applications initially declined and later judgmentally reviewed and approved (bank may request for exception/overridden reason) count average limit assigned ala average of all customers' credit limit amounts at end of month $ amount $ total credit limit/exposure tcl total of all credit limit amounts at end of month $ amount $ highest credit limit hcl highest credit limit amount at end of month $ amount $ month end balance (total outstanding/account receivables) meb total balance at end of month $ amount $ first pay default fpd sum of past due balances from cardholders who failed to make their first payment on or before their scheduled due date, given that cr’s issuing program supports only 1 repayment cycle $ amount $ balances 30 dpd b3dpd sum of balances 30 days past due $ amount $ balances 60 dpd b6dpd sum of balances 60 days past due $ amount $ balances 90 dpd b9dpd sum of balances 90 days past due $ amount $ balances charged off bco sum of charged off balances $ amount $ fraud losses tfl sum of fraud losses $ amount # of total cardholders ntc number of cardholders regardless of status count number of open cards noc number of open cards (exclude lost or stolen, fraud, closed, or charged off cards) count number of cards issued nci number of cards issued (both reissued and new cardholders) count number of auth prohibited cards napc number of cards with status authorization prohibited count # first pay default nfpd number of cardholders who failed to pay balance amount in full before or on due date count # cardholders 30 dpd c3dpd number of cardholders 30 days past due count # cardholders 60 dpd c6dpd number of cardholders 60 days past due count # cardholders 90 dpd c9dpd number of cardholders 90 days past due count # cardholders charged off cco number of cardholder charge offs count # of reages nor number of re ages (if your program practices re aging, supply the number of re aged accounts completed) count # of hardship/forbearance enrollments noh number of hardship/forbearance enrollments count # overlimit cardholders nocl number of accounts over assigned credit limit count $ all balances overlimit bocl sum of balances over assigned credit limit $ amount requested credit limit increases approved clia total approved credit limit requests by cardholders count voluntary credit limit decreases approved clda total approved credit limit decrease requests by cardholder count requested credit limit increases declined clid number of declined credit limit requests by cardholder count involuntary credit limit decreases cldd number of declined credit limits conducted by program manager count proactive credit line increase approved pclia number of approved credit limits initiated by program manager count # primary account cardholder closures nacl number of primary account cardholder closure requests by cardholder count # involuntary account closure nicl accounts involuntarily closed due to bad behavior/adverse action count # total inactive accounts tia accounts without a balance in current and prior cycle count # pricing changes (increases/decreases) npc number of pricing changes made to an account(s) count # total monthly refunds nmr number of monthly refunds count $ total monthly refunds tmr sum of monthly refunds $ amount # total monthly sales nms number of monthly purchase transactions count $ total monthly sales tms sum of monthly purchase transactions $ amount $ total cardholder payments in month tcp sum of all monthly payments $ amount $ interchange income tii sum of interchange income $ amount $ fee income tfi sum of fee income (if applicable to program) $ amount $ interest income tiin sum of monthly interest $ amount number of cardholder sent to external collection agency coll number of accounts reported to an external collection agency count funding direct utilized (= on program manager balance sheet) fdu sum of receivables on your program’s balance sheet $ amount funding partner utilized (= on funding partner’s balance sheet) fpu sum of receivables on any third party balance sheet $ amount total partner(s) funding utilized $ tpfu sum utilized for all card receivables on a third party balance sheet $ amount funding partner available $ fpa total presently available on a third party balance sheet for card receivables $ amount $ recoveries tamr amount recovered from charged off/write off $ amount # disputes tnd number of disputed transactions count $ disputes tamd total balance from disputed transactions $ amount # chargeback tnc number of chargeback transactions count $ chargeback tamc total balance from chargeback transactions $ amount $ securitization activity msa total amount securitized monthly (if you issue credit securitized by an asset, such as a car value, total amount of those values) $ amount # cardholders in promo rate pr number of cardholders in a promotional rate period count $ aged write offs aawo total amount of aged write offs in a month $ amount # aged write offs cawo number of aged write offs in a month count $ bankruptcy write offs abwo total amount of bankruptcy write offs in a month $ amount # bankruptcy write offs cbwo number of bankruptcy write offs in a month count $ deceased write offs adwo total amount of deceased write offs in a month $ amount # deceased write offs cdwo number of deceased write offs in a month count $ fraud write offs afwo total amount of fraud write offs in a month $ amount # fraud write offs cfwo number of fraud write offs in a month count $ rewards issued ri total amount of rewards/points issued in a month $ amount $ rewards reversed rr total amount of rewards/points reversed in a month $ amount $ rewards redeemed rredm total amount of rewards/points redeemed in a month $ amount $ rewards outstanding liability rol total amount of outstanding rewards/points liability $ amount total collateral value tcl total collateral value on book $ amount $ statement credit issued sci total amount of statement credit issued in a month $ amount sample file the sample below presents the monthly credit risk metric report from a fictitious cross river partner, abcd, inc , partner id a926ccfc 3cba 4a59 b3f8 c4d4b277f61f , for the month of july 2023 file name creditriskmetrics abcd 202308291005 file format csv download the file https //archbee doc uploads s3 amazonaws com/511c8qbh vhiwwnyziwub/feu2bwjpb0z6u8wit765z creditriskmetrics abcd 202308291005 csv duplicate value handling if in the same month you provide a new monthly metric value for a metric that has already been received, cr uses only the most recently provided metric value for that month file share method share the csv file monthly upload the file using sftp to your \clientcredit subfolder if you do not yet have an sftp folder with cr, contact your cr implementation or relationship manager they will help set you up file troubleshooting guide you don’t know your partner id request your partner id from your relationship manager you are notified by cr that there is a problem with the csv file if your csv file has problems, cr will let you know what they are and how to fix them in general, before sending, check these values for validity filename is formatted correctly for each record partner guid is correct month end date is correct and in the correct format metric abbreviation is a valid one from provided list metricvalue is expressed as a number