Solutions - MonJa: Intelligent Document Automation for Lenders

Our Value Proposition

MonJa is a digital lending industry expert. Our loan investment analytics tools help enhance our clients’ fund returns and reduce their portfolio delinquencies. With our loan selection strategy and portfolio analytics, marketplace lending investors significantly improve their portfolio performance. If you need a loan to invest, see here this blog post about bad credit loans guaranteed approval.

Performance Attribution

Features:

Visualization interface presenting sources of allocation & excess returns
Standard & Custom Benchmark Comparison

Benefits:

Understand what’s driving your returns
Break down major attributes at the portfolio level to explain performance
Gain ability to drill down on attribution by variables and understand relative alpha generation

Loan Scoring

Features:

Proprietary Profit Scoring
Allocation Optimizer
Customized Credit Modeling

Benefits:

Optimally select loans according to criteria
Combine results with hundreds of attributes to accurately model all levels of risk
Backtesting to enhance current investment strategy

Portfolio Analytics

Features:

Loan pool tracking
Platform monitoring
Vintage cash flow projections

Benefits:

Real-time analysis to monitor your loan portfolio holdings and performance
Top-down dashboard to see trends and key metrics with the ability to drill down by grade, term, and platform
Clean and aggregate different data fields for standard comparison
Produce dynamic and static reports (in pdf, Excel) for managed accounts without compromising data quality

Risk Management

Features:

Loan-level prepayment analysis
Delinquency and expected-loss forecasting
Scenario & Monte-Carlo stress testing

Benefits:

Customized filters to select risk-stratified segments on your loan portfolio
Discover and monitor the risks in your investment strategy using a full range of statistics
Capture all the risks of borrower’s ability to default and expected loss under stress scenarios

MPL Valuation & Loan Pricing:

Features:

DCF-based valuation framework
Markov-chain simulation with calibrated transition vectors
Over 100 daily third-party and proprietary time series input
Loan-attribute level custom segmenting

Benefits:

Intra-month visibility of pool performance
Automated report delivery to accounting system and fund admin
Fully-managed service
Customizable dashboards and delivery options

Contact

Please submit your questions here:

MonJa provides highly-advanced intelligent document automation, document management, and underwriting for financial institutions.

Our Value Proposition

Performance Attribution

Loan Scoring

Portfolio Analytics

Risk Management

MPL Valuation & Loan Pricing:

Contact

Please submit your questions here:

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