Customer PortfolioPriya NairACC-39104
PN

Priya Nair

47 DPD2 Flags
ACC-39104·Auto Loan·CA·Originated 2024-11-03

Outstanding Balance

$22,150

Credit Score

548

Days Since Contact

5 days

Risk Tier

High

AI Recommendation:Call78%
78%

Confidence: 78% · Based on 847 behavioral signals · Last updated 2026-05-25 11:42 AM

Delinquency Timeline

Loan originated

$22,150

2024-11-03

First missed payment

-$612

2026-04-01

SMS reminder sent — No response

2026-04-08

Entered Early Delinquency (15 DPD)

2026-04-15

Call attempted — Voicemail

2026-04-22

Second missed payment

-$612

2026-05-01

Entered Moderate Delinquency (37 DPD)

2026-05-08

CCPA opt-out window flagged

2026-05-15

Call attempted — Voicemail (last contact)

2026-05-20

Current: 47 DPD — Moderate stage

2026-05-25

Account Profile

Full NamePriya Nair
Emailpriya.nair@outlook.com
Phone+1-555-0287
RegionCA
ProductAuto Loan
Credit Score548
Loan Originated2024-11-03

Channel Consent

Recorded customer consent for outreach by channel

SMSNot Consented
Consented
CallNot Consented
PushNot Consented

AI Recommendation

Call78%

Email is recommended because the customer has active email consent, prior SMS attempts yielded no response, and CCPA opt-out window restricts call contact in CA until June 2, 2026.

Model: ChannelIQ v3.2 · Trained on 2.4M contact records