Funnel Intelligence
MOROKU DATA ENGINE
Engine Active
Last refresh: Today 06:00
Total Leads
1,893
▲ 8%this month
Settled Loans
241
▲ 14%$4.2M volume
Funnel Conversion
12.7%
▲ 3%lead → settled
Avg Cost / Settled
$184
▼ 11%all channels
Revenue Leakage
$1.8M
est. annual
Conversion Funnel
Drop-off at each stage
Application Drop-off Reasons
Why applicants abandon mid-process
⚡ Key Insight: Document upload and income verification account for 55% of all drop-offs. Automating these via bank login could recover ~$990K in annual revenue.
Active Segments
7
▲ 133%from 3 legacy groups
Best Segment
Dealer Used
+28% growth, 2.3% default
Underserved Opp.
$2.1M
near-miss declines
Segment Accuracy
84%
▲ 38%vs 61% legacy model
Customer Archetypes
Behavioural segments by performance
Book Composition
Segment size vs risk profile
⚡ Opportunity: "Dealer Used Vehicle" segment growing 28% with only 2.3% default rate. Expanding dealer partnerships could add $1.4M annually.
⚡ Watch: 127 declined applicants match "Near-Prime Personal" profile with predicted default under 5%. Adjusting thresholds could capture $2.1M.
Model Segments
73
▲ 813%up from 8 initial
Portfolio Default
3.5%
▼ 18%trending down
Price Accuracy
91%
▲ 12%risk-adjusted
Model Refresh
Weekly
every Monday 6am
Dynamic Segment Splitting
Micro-segments growing weekly as data accumulates
Started with 8 risk groups → now 73 micro-segments with distinct pricing.
Default Rate Trend
Actual vs model predicted (lower is better)
Actual
Predicted
Dynamic Pricing — Auto Loans
Risk-adjusted rate bands vs legacy static pricing
Dynamic
Legacy static
Marketing Spend
$28.4K
▼ 6%this month
Cost per Performing Loan
$184
▼ 22%vs $312 industry avg
Best Channel ROI
Dealer
$3,620 LTV / $22 CPA
Worst Channel ROI
Meta Ads
$1,420 LTV / $52 CPA
Channel Performance — Full Funnel
Measuring through to loan performance, not just leads
Surgical Targeting Recommendations
Data-driven opportunities for acquisition