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. Investors in a room can view its charts unless the deal team turns
off their Monitoring permission (it is on by default). Managing portfolios,
loan-tape import and the ingestion API are for the deal team only. In the app,
loan-tape download is on the deal team's Settings tab; through the export API
(/api/v1/monitoring/exports) it is also open to investors who can view
Monitoring in the organisation. In a download, organisation owners and admins
always see the borrower's name, email, phone, date of birth, country, gender,
income band and employment status; everyone else gets those columns masked.
The national-ID last four digits stay masked unless an owner or admin turns on
the PII option for that download. Borrower and external borrower IDs are never
masked.
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, collateral coverage, and operational metrics |
| 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 |
Charts appear once a portfolio is linked to the room; Concentration and Impact are shown only then. A Settings tab, for the deal team only, manages portfolios, links them to the room, and holds the loan-tape import and download. Most charts carry a ? control that shows the metric's 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.
Charts from a question
To chart something the packs do not cover, ask the AI assistant in plain English. For organisation owners and admins with Monitoring, it translates the question through a validated chart definition language into safe, sandboxed SQL over the loan data and draws the chart in the conversation. This needs AI features to be enabled for your organisation (on by default; an organisation admin can turn them off in Settings → AI & Integrations).
Saved charts
A chart the assistant draws in a data room can be kept with Save this chart. Saved charts are listed on the Saved tab of that room's Monitoring screen, which organisation owners and admins see when a data room is open. Investors and other team members do not get the tab.
- List and search. The tab shows the room's saved charts, each drawn fresh from today's data, with a search box that filters by name.
- Remove. Each chart has a Remove button. You confirm, the chart leaves the list, and a message says whether it worked.
- Per-chart errors. A chart whose definition no longer matches the available metrics says it can no longer be drawn and offers Remove. If the organisation no longer has Monitoring, the chart says so. A temporary failure offers Retry. Any of these affects only that one chart.
Charts cannot be renamed or duplicated, and removed charts cannot be viewed again from the product.
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.
Market Intelligence
Find the investors that fit your company, with a plain-language reason for each, and work them on each data room's Investors page. Covers the preview, the company profile, suggested investors, and requesting coverage of a new market.
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.