ElRoi Pay

Pay Later Management

Monitor and manage BNPL credit portfolio

Portfolio Overview

Total Active Plans
1,247
Active BNPL users
Total Outstanding
GHS 342,850.00
Pending repayments
On-Time Repayment
94.3%
Excellent performance
Default Rate
2.1%
Within acceptable range

Repayment Schedule

Kwame Mensah
USR-8471
On Track
Plan Amount
GHS 450.00
Installment Due
GHS 150.00
Due Date
2025-02-15
Tier
Tier 2
Abena Osei
USR-8472
Overdue
Plan Amount
GHS 1200.00
Installment Due
GHS 400.00
Due Date
2025-02-10
Tier
Tier 3
Kofi Asante
USR-8473
On Track
Plan Amount
GHS 300.00
Installment Due
GHS 100.00
Due Date
2025-02-20
Tier
Tier 2
Ama Boateng
USR-8474
Defaulted
Plan Amount
GHS 1800.00
Installment Due
GHS 600.00
Due Date
2025-01-28
Tier
Tier 3
Yaw Owusu
USR-8475
On Track
Plan Amount
GHS 500.00
Installment Due
GHS 166.67
Due Date
2025-02-18
Tier
Tier 2
Efua Adjei
USR-8476
On Track
Plan Amount
GHS 2000.00
Installment Due
GHS 666.67
Due Date
2025-02-12
Tier
Tier 3
Kwesi Darko
USR-8477
Overdue
Plan Amount
GHS 750.00
Installment Due
GHS 250.00
Due Date
2025-02-08
Tier
Tier 2
Akosua Frimpong
USR-8478
On Track
Plan Amount
GHS 1500.00
Installment Due
GHS 500.00
Due Date
2025-02-25
Tier
Tier 3

Credit Tier Distribution

Tier 0(Unverified)
0 users
Tier 1(Basic KYC)
0 users
Tier 2(Full KYC + 90 days)
847 users
847
Tier 3(Enhanced + 6 months)
356 users
356
Tier 4(Business + 12 months)
44 users
44

Manual Credit Override

Risk Exposure Summary

Total ElroiPay Liability
GHS 342,850.00
Across all active Pay Later plans
Risk Threshold
GHS 500,000.00
Utilization: 68.6%

Liability Breakdown by Tier

Tier 2
GHS 156,420.00
45.6% of total
Tier 3
GHS 168,230.00
49.1% of total
Tier 4
GHS 18,200.00
5.3% of total

Audit Trail (2 entries)

TimestampAdminActionUserReason
2025-02-01 14:32:15John AdminUpgrade TierKwame MensahCompleted 90 days transaction history with consistent payments
2025-02-01 10:15:42Sarah AdminSuspend BNPL AccessAma BoatengMultiple missed payments - defaulted on current plan