PAR30 Is a Smoke Alarm
Interpret a rising arrears indicator as a process-improvement trigger rather than a reason to hide or chase symptoms.
A portfolio-quality spike is a smoke alarm. Do not punish the smoke; find the fire. Plan the question Start with segmentation. A portfolio number hides patterns, so split it by officer, cohort, product, center, disbursement month, business type, and due-date rhythm. The goal is not a perfect dashboard; it is a sharper hypothesis. Do one small test A countermeasure should be small enough to learn from. Adjust one center's meeting time, test a reminder script, review one product rule, or add a pre-due-date cash-flow check for a segment. Broad pressure creates noise; a narrow test creates evidence. Check and act…
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