𝐂𝐨𝐬𝐭-𝐩𝐞𝐫-𝐃𝐢𝐬𝐛𝐮𝐫𝐬𝐚𝐥 𝐯𝐬 𝐂𝐨𝐬𝐭-𝐩𝐞𝐫-𝐒𝐮𝐫𝐯𝐢𝐯𝐢𝐧𝐠-𝐀𝐜𝐜𝐨𝐮𝐧𝐭 (𝟑𝟎 𝐃𝐏𝐃+)

Cost-per-Disbursal (CPD) rewards volume, not resilience. In contrast, Cost-per-Surviving-Account (post 30+ DPD window) measures acquisition efficiency against early credit performance, aligning marketing with portfolio quality.

 

𝐖𝐡𝐲 𝐬𝐮𝐫𝐯𝐢𝐯𝐚𝐥-𝐛𝐚𝐬𝐞𝐝 𝐦𝐞𝐭𝐫𝐢𝐜𝐬 𝐦𝐚𝐭𝐭𝐞𝐫?

·         Reveal 20–35% hidden inefficiencies in CPD

·         Improve risk-adjusted ROI visibility

·         Discourage aggressive, high-risk sourcing

·         Align CAC with early delinquency outcomes

·         Strengthen capital allocation discipline

 

True efficiency is measured after the first stress test, not at disbursal.

📞 𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐮𝐬: +𝟗𝟏 𝟗𝟏𝟑𝟕𝟐 𝟓𝟔𝟏𝟓𝟎