Loan Product
Profitability
& Sensitivity Analysis
A comprehensive analytical dashboard examining loan portfolio performance, product-level profitability, vintage cohort behavior, and interest rate sensitivity for Baokim — a $55M financial services company focused on consumer lending.
This analysis is structured as a six-section research brief, progressing from portfolio overview through granular product and cohort analysis to forward-looking sensitivity modeling.
This dashboard presents a multi-dimensional analysis of Baokim's $42.3M consumer loan portfolio across five product lines. The analysis reveals that while personal loans generate the highest risk-adjusted returns (8.12%), the portfolio's overall health improved significantly during the analysis period, with the weighted default rate declining from 3.36% to 3.14% and operating expenses reduced by 30% through process optimization and automated reporting. Vintage cohort analysis indicates improving credit quality in recent originations, and sensitivity modeling suggests the portfolio can withstand a 200bps rate increase while maintaining positive margins across all product lines.