{"id":49320209,"url":"https://github.com/gblack98/digital-lending-analytics-dbt","last_synced_at":"2026-04-26T17:04:16.048Z","repository":{"id":348377525,"uuid":"1197766543","full_name":"Gblack98/digital-lending-analytics-dbt","owner":"Gblack98","description":"Data warehouse \u0026 BI for digital lending — dbt models for loan portfolio analytics, KPIs and cohort analysis","archived":false,"fork":false,"pushed_at":"2026-03-31T21:52:40.000Z","size":3,"stargazers_count":0,"open_issues_count":0,"forks_count":0,"subscribers_count":0,"default_branch":"main","last_synced_at":"2026-04-01T00:59:43.992Z","etag":null,"topics":["analytics","business-intelligence","data-warehouse","dbt","lending","sql"],"latest_commit_sha":null,"homepage":null,"language":null,"has_issues":true,"has_wiki":null,"has_pages":null,"mirror_url":null,"source_name":null,"license":null,"status":null,"scm":"git","pull_requests_enabled":true,"icon_url":"https://github.com/Gblack98.png","metadata":{"files":{"readme":"README.md","changelog":null,"contributing":null,"funding":null,"license":null,"code_of_conduct":null,"threat_model":null,"audit":null,"citation":null,"codeowners":null,"security":null,"support":null,"governance":null,"roadmap":null,"authors":null,"dei":null,"publiccode":null,"codemeta":null,"zenodo":null,"notice":null,"maintainers":null,"copyright":null,"agents":null,"dco":null,"cla":null}},"created_at":"2026-03-31T21:40:15.000Z","updated_at":"2026-03-31T21:52:42.000Z","dependencies_parsed_at":null,"dependency_job_id":null,"html_url":"https://github.com/Gblack98/digital-lending-analytics-dbt","commit_stats":null,"previous_names":["gblack98/digital-lending-analytics-dbt"],"tags_count":null,"template":false,"template_full_name":null,"purl":"pkg:github/Gblack98/digital-lending-analytics-dbt","repository_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/Gblack98%2Fdigital-lending-analytics-dbt","tags_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/Gblack98%2Fdigital-lending-analytics-dbt/tags","releases_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/Gblack98%2Fdigital-lending-analytics-dbt/releases","manifests_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/Gblack98%2Fdigital-lending-analytics-dbt/manifests","owner_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/owners/Gblack98","download_url":"https://codeload.github.com/Gblack98/digital-lending-analytics-dbt/tar.gz/refs/heads/main","sbom_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories/Gblack98%2Fdigital-lending-analytics-dbt/sbom","scorecard":null,"host":{"name":"GitHub","url":"https://github.com","kind":"github","repositories_count":286080680,"owners_count":32305043,"icon_url":"https://github.com/github.png","version":null,"created_at":"2022-05-30T11:31:42.601Z","updated_at":"2026-04-26T09:34:17.070Z","status":"ssl_error","status_checked_at":"2026-04-26T09:34:00.993Z","response_time":129,"last_error":"SSL_read: unexpected eof while reading","robots_txt_status":"success","robots_txt_updated_at":"2025-07-24T06:49:26.215Z","robots_txt_url":"https://github.com/robots.txt","online":false,"can_crawl_api":true,"host_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub","repositories_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repositories","repository_names_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/repository_names","owners_url":"https://repos.ecosyste.ms/api/v1/hosts/GitHub/owners"}},"keywords":["analytics","business-intelligence","data-warehouse","dbt","lending","sql"],"created_at":"2026-04-26T17:04:14.383Z","updated_at":"2026-04-26T17:04:16.036Z","avatar_url":"https://github.com/Gblack98.png","language":null,"funding_links":[],"categories":[],"sub_categories":[],"readme":"# 📊 Digital Lending Analytics — dbt Data Warehouse\n\n![dbt](https://img.shields.io/badge/dbt-1.7-orange) ![SQL](https://img.shields.io/badge/SQL-Analytics-blue) ![Lending](https://img.shields.io/badge/Domain-Digital_Lending-green) ![BI](https://img.shields.io/badge/BI-Portfolio_Analytics-purple)\n\n\u003e dbt data warehouse for digital lending platforms — loan portfolio KPIs, cohort analysis, NPL tracking, and operational dashboards. Inspired by **Rubyx.io** (€125M disbursed, 0.55% NPL rate).\n\n## Models\n\n### Risk Mart\n| Model | Description |\n|-------|-------------|\n| `loan_portfolio_risk` | DPD buckets, NPL identification, loan status |\n| `cohort_analysis` | Repayment rates by cohort month × product × country |\n\n### Finance Mart  \n| Model | Description |\n|-------|-------------|\n| `revenue_recognition` | Interest income, fees, provisions |\n| `portfolio_summary` | AUM, at-risk exposure, coverage ratios |\n\n### Operations Mart\n| Model | Description |\n|-------|-------------|\n| `disbursement_funnel` | Application → approval → disbursement rates |\n| `collections_efficiency` | Recovery rates by DPD bucket |\n\n## Key Metrics Tracked\n\n| KPI | Formula | Target |\n|-----|---------|--------|\n| **NPL Rate** | Loans \u003e 90 DPD / Total Portfolio | \u003c 2% |\n| **PAR30** | Loans \u003e 30 DPD / Total Portfolio | \u003c 5% |\n| **Repayment Rate** | Closed loans / Matured loans | \u003e 92% |\n| **Cost of Risk** | Provisions / Average Portfolio | \u003c 3% |\n\n## Loan Status Buckets (DPD)\n\n```sql\n'active'    → not yet matured\n'dpd_1_30'  → 1-30 days past due (early warning)\n'dpd_31_60' → 31-60 days (collection triggered)\n'dpd_61_90' → 61-90 days (escalation)\n'npl'       → \u003e 90 days (non-performing, provisioned)\n'closed'    → fully repaid\n```\n\n## Setup\n\n```bash\npip install dbt-postgres\ndbt deps\ndbt run\ndbt test\ndbt docs generate \u0026\u0026 dbt docs serve  # Interactive docs at localhost:8080\n```\n\n## Author\n\n**Ibrahima Gabar Diop** — [GitHub](https://github.com/Gblack98) · [Kaggle](https://www.kaggle.com/ibrahimagabardiop)\n","project_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fgblack98%2Fdigital-lending-analytics-dbt","html_url":"https://awesome.ecosyste.ms/projects/github.com%2Fgblack98%2Fdigital-lending-analytics-dbt","lists_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fgblack98%2Fdigital-lending-analytics-dbt/lists"}