Overview

Monitoring performance is critical to understanding the impact of Begini on your portfolio.

It allows you to:

• Track how users behave
• Measure risk segmentation
• Evaluate decisioning outcomes
• Demonstrate ROI

This is where Begini moves from a tool to a measurable commercial asset.

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What you should monitor

Application flow metrics

These help you understand user behaviour and engagement.

Key metrics:

• Application started
• Application completed
• Completion rate
• Drop-off rate
• Time to complete

These indicate how users interact with the assessment experience.

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Score distribution

Track how users are distributed across:

• Score ranges
• Risk bands

This helps you understand:

• Portfolio composition
• Risk segmentation quality
• Consistency of scoring

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Approval and decisioning

You should monitor:

• Approval rates
• Decline rates
• Referral rates (if applicable)

When combined with Begini scores, this shows how decisioning aligns with risk.

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Portfolio performance

Over time, track:

• DPD (e.g. 30, 60, 90 days)
• Default rates
• Loss rates

This is where Begini’s impact becomes measurable.

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Behavioural insights

Analyse:

• Trait-level patterns
• Behavioural consistency
• Engagement quality

These can help explain why users perform differently.

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Linking performance to Begini

To measure impact effectively, you should:

• Link Begini scores to loan outcomes
• Track performance by score band
• Compare against your existing scoring methods

This allows you to quantify uplift.

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Example analysis

A typical approach:

• Segment users into risk bands
• Track DPD60 per band
• Compare performance against baseline

Expected outcome:

• Clear separation between high and low risk users
• Improved portfolio performance at the same approval rate

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Early-stage vs mature monitoring

Early stage (pilot / validation)

Focus on:

• Completion rates
• Score distribution
• Data quality
• Integration stability

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Mature stage (live portfolio)

Focus on:

• DPD performance
• Approval strategy optimisation
• ROI and loss reduction
• Portfolio scaling

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Using Beacon for monitoring

Within the Beacon Dashboard, you can:

• View results and activity
• Monitor completion trends
• Review individual outcomes

For deeper analysis, you should export data or use webhooks.

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Best practices

• Monitor performance regularly (weekly/monthly)
• Align metrics with your credit strategy
• Track performance by segment (product, region, cohort)
• Combine Begini data with your internal data

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Common mistakes

• Only monitoring completion, not outcomes
• Not linking scores to actual performance
• Ignoring behavioural insights
• Expecting ROI too early without sufficient data

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