Portfolio monitoring
Monitoring turns a deal's underlying assets into analytics. Load a portfolio's loan tape, link it to a data room, and Waafir renders curated chart packs across pricing, risk, concentration, impact, and portfolio composition — the analytics a deal team or investor would otherwise build by hand in a spreadsheet.
Monitoring is an optional add-on, enabled per data room. See Billing & Plans for how add-ons work, and the API Reference for the ingestion and reconciliation endpoints fintech integrators use to feed it.
Where it lives
Monitoring is a top-level surface in the platform navigation. Portfolios are
managed there and linked to data rooms through a many-to-many relationship, so
one portfolio can inform several rooms and one room can draw on several
portfolios. Whether an investor sees the Monitoring surface for a room is
governed by a per-investor can_view_monitoring permission; by default it is
deal-team facing.
The chart packs
The analytics are grouped into tabs, each a bundle of related charts:
| Tab | What it covers |
|---|---|
| Pricing | Pricing trends, APR distributions and tails, yield cross-tabs, and pricing comparisons across cohorts |
| Risk | Delinquency and status transitions, default-lifecycle suites, probability-of-default cross-tabs (by gender, age, term, size, disbursement quarter), recovery rates, and collateral coverage |
| Concentration | Concentration ratios (CR1 / CR3 / CR5 / CR10), HHI bands, and stratification by vintage, maturity bucket, and loan size |
| Impact | Impact metrics such as women's share, geographic reach, first-time-borrower share, and income-band performance |
| Portfolio | Portfolio composition and cashflow — waterfalls, a wall of maturities, CPR, and amortisation |
| Glossary | Definitions for every metric, with a per-chart help affordance that links each chart to its definition |
Charts carry data labels and hover tooltips, and the suite respects a k-anonymity floor on demographic breakdowns so small groups cannot be de-anonymised.
Custom charts in natural language
Beyond the built-in packs, you can build your own charts by describing them in plain English. Waafir translates the request through a validated chart definition language into safe, sandboxed SQL over the loan data, renders the result, and lets you save it. Saved custom charts can be searched, renamed, and duplicated, so a recurring view you care about becomes a one-click artefact.
Getting data in, and out
- In. Loan-domain data is submitted over an HTTP API — single record, bulk NDJSON, or async (presigned-S3 + SQS) imports — through a bronze→silver normalisation pipeline with idempotency, dry-run validation, and reconciliation endpoints. The API Reference and the cookbook document every route, and a TypeScript SDK and a shared sandbox tenant make integration testing straightforward.
- Out. The loan tape exports as a CSV-ZIP (with a README/glossary), there is a tape-download history, and reports built on this data can be embedded in Investor Reports.
What you need
- The Monitoring add-on, enabled on the data room. Without it the Monitoring surface and its chart packs appear as a locked upgrade prompt. See Billing & Plans.
- A loan tape loaded and a portfolio linked to the data room.
Investor reports and materials
Keep investors informed with periodic Investor Reports drafted from the data room and published as branded HTML and PDF, and generate investor-facing collateral — pitch decks, plans, and models — from the room's own documents. Part of the Investor Materials add-on.
Audit Log Integrity
How Waafir makes its audit trail tamper-evident — a per-organisation cryptographic hash chain anchored to immutable WORM storage, independently verifiable, with GOVERNANCE and COMPLIANCE retention modes.