Kelvata Analytics Hub

Welcome to Kelvata Analytics Hub

Kelvata Analytics Hub is a cloud-based Debt Collection Intelligence Platform that gives financial institutions and collection teams AI-powered insights to recover more — faster. Upload your portfolio, let the platform score and segment it, and focus your collectors exactly where they'll have the most impact.

Pre-requisites

Kelvata Analytics Hub is fully cloud-based — no software installation needed. All you need is a modern browser and a stable internet connection.

Request a Demo

Access to Kelvata Analytics Hub starts with a demo request. The Kelvata team reviews each application, provisions your organisation's account, and sends you login credentials once approved.

Step 1 — Visit the Demo Request Page

Go to kelvataanalyticshub.com and click the "Request a Demo" button on the homepage. This opens the demo application form.

Step 2 — Fill In Your Details

The demo request form at kelvataanalyticshub.com.

The demo request form asks for the following information:

Click Book My Free Demo to submit. A confirmation screen titled "You're Booked In!" appears, confirming the Kelvata team has received your request.

Step 3 — Awaiting Approval

The Kelvata team reviews every request manually, usually within 1 business day. During this time:

• Your organisation's account is provisioned on the Kelvata platform
• A dedicated subdomain or login URL is set up for your team
• Your initial Admin account is created

Step 4 — Receiving Your Access

Once approved, you'll receive an email with:

Partner Login

Once you have received your login credentials from the Kelvata team, you can access the platform at any time from any modern browser.

The Partner Sign In page.

Partner Dashboard

After logging in, you land directly on the Portfolio Intelligence Dashboard — your command centre for every metric across your debt collection operation.

The Portfolio Intelligence Dashboard — sidebar, summary strip, model status banner and main area.

Layout at a Glance

Dashboards & Insights

Every analytics module lives behind the sidebar of the Portfolio Intelligence Dashboard. Each module loads its own KPIs, charts, and tables — use the Days filter at the top of the dashboard and click ⟳ Refresh to recalculate any module for a different date range.

The Portfolio Overview module as it appears in the Portfolio Intelligence Dashboard.

The landing module after login. It shows a row of KPI cards summarising your whole portfolio, a Daily Collections Trend line chart comparing amounts collected against outstanding debt over time, a Status Distribution doughnut chart, and a Top Clients table (Client, Accounts, Total Debt, Collected, Recovery %).

Below the charts, an Anomaly Alerts panel flags unusual activity in your portfolio. Click ⬇ Download Report to export the full anomaly list.

The Promise-to-Pay Analysis module as it appears in the Portfolio Intelligence Dashboard.

Tracks Promise-to-Pay (PTP) performance with KPI cards for PTP Rate, Total PTPs, PTP Amount, and Fulfilment. A PTP by Collector bar chart and a PTP Trend line chart show how promises and fulfilment change over time.

The table below breaks results down by collector — Collector, Calls, PTPs, PTP Rate, PTP Amount, Paid, and Fulfilment — so you can see which collectors are converting promises into actual payments.

The Collector Performance module as it appears in the Portfolio Intelligence Dashboard.

Compares every collector's output side by side. KPI cards show Active collectors, the Top Performer, Avg PTP Rate, and Avg Collected. A Leaderboard bar chart ranks collectors by performance, and an Activity Volume chart shows their call and account volumes.

The table lists each collector with Accounts, PTP Rate, Collected, Avg Debt, and an Efficiency score — use it to identify who to coach or reward.

The Portfolio Aging module as it appears in the Portfolio Intelligence Dashboard.

Shows how much of your portfolio is concentrated in older, harder-to-collect accounts. KPI cards display the percentage of the portfolio in the 0-30, 30-60, 60-90, and 90+ day buckets, plus the overall Average Age of outstanding debt.

Two bar charts — Count and Value — break the portfolio down across five age buckets: 0-30, 31-60, 61-90, 91-180, and 180+ days.

The Customer Segmentation module as it appears in the Portfolio Intelligence Dashboard.

Groups your portfolio into behavioural segments so collection strategies can be tailored to each group. KPI cards show the number of Segments identified, the High Value and Contactable percentages, and the total Promises (PTPs) across the portfolio.

Each segment appears as its own card showing its name, account count, total debt, and share of the portfolio. A Segment Share doughnut chart visualises each segment's share of total debt, and an Avg Debt by Segment bar chart compares the average outstanding balance across segments.

The Predictive Scoring module as it appears in the Portfolio Intelligence Dashboard.

Uses your AI model to score every account by risk and recovery likelihood. Filter the module by Customer Type — All, Conventional, Digital, or Business — using the buttons at the top, each showing the account count for that segment.

KPI cards summarise High Risk, Medium Risk, and Low Risk account counts, plus the model's Avg Score and PTP Accuracy. The High-Priority Accounts table lists the top 20 accounts ranked by Priority Index (0.1–0.9), with Risk Score, Loan ID, Contact Name, Type, Outstanding amount, recommended Strategy, Priority, Best Call Time, PTP %, and Pay %.

Use Download Scored Excel or Download CSV to export the full scored list for the selected customer type.

The Roll-Rate Analysis module as it appears in the Portfolio Intelligence Dashboard.

Shows how accounts migrate between delinquency stages over time. The Delinquency Bucket Distribution bar chart breaks the portfolio into six buckets — Current, 1-30 DPD, 31-60 DPD, 61-90 DPD, 91-180 DPD, and 180+ DPD.

A Self-Cure Accounts panel highlights accounts likely to resolve without intervention, showing the account count, total value, percentage of the portfolio, and a recommended action. An Early Warning Signals list flags emerging risk patterns, and the Roll-Forward Probability table shows, for each bucket, the percentage of accounts that Roll to the next bucket, Stay, or Self-Cure, along with the account count.

The Recovery Forecast module as it appears in the Portfolio Intelligence Dashboard.

Projects how much you're likely to collect by the end of the month. KPI cards show MTD So Far, Forecast EOM, your Target and % of Target (if a target has been set), the current Daily Rate, and Days Left in the month.

An MTD vs Forecast line chart plots Actual, Forecast, and Target side by side, while a Monthly Trend bar chart shows collections over previous months. A Top Clients MTD table lists each client's collected amount with a progress bar showing their share of the month's total.

The Best Time to Call module as it appears in the Portfolio Intelligence Dashboard.

Recommends the call windows most likely to get an answer, based on historical call outcomes for the selected date range. The top three windows are highlighted as 🥇 Best Window, 🥈 2nd Best, and 🥉 3rd Best, each with its answer rate or call count.

The Performance by Time Band table breaks results into five bands — Early Morning (07–09), Mid Morning (09–11), Early Noon (11–13), Afternoon (14–16), and Evening (17–18) — showing Calls Made, Answered, Answer Rate, and a Recommendation for each. An Activity Heatmap visualises call volume by hour and day of week.

The Payers Management module as it appears in the Portfolio Intelligence Dashboard.

Identifies which accounts are actively paying and which are not. KPI cards show Payers, Non-Payers, the Payer Rate, and total Non-Payer Debt. Use the All Accounts / Payers Only / Non-Payers Only buttons to filter the table below.

Where data allows, a Monthly Payer Trend bar chart compares payer vs non-payer counts over time. A Declining Payers table flags debtors whose payments are trending down (with their monthly trend, last payment, and months tracked), while an Increasing Payers table shows the opposite. The Treatment by Disposition table recommends an action for each disposition based on account count and average balance. The main table lists every account with Debtor, Status, Outstanding, Collected, Age, Payer status, and a recommended Action.

Click Download Payer Report Excel (4 sheets) to export the full breakdown.

The Contactability Analysis module as it appears in the Portfolio Intelligence Dashboard.

Measures how reachable your portfolio is by phone. KPI cards show Contactable and Non-Contactable account counts, the overall Contact Rate, and the Total number of accounts.

The Recovery by Time Band table shows, for each calling time band, the number of Accounts, amount Collected, Recovery %, and Contact %, so you can see which call windows actually convert to payments. The Flagged Non-Contactables table lists debtors who were called two or more times without an answer, showing their Attempts, the time bands already tried, a recommended alternative band, and their Outstanding balance.

The Trigger Analysis module as it appears in the Portfolio Intelligence Dashboard.

Identifies what's driving spikes in daily collections. KPI cards show the Daily Avg amount collected, the Spike Threshold, and the number of Spikes detected in the selected date range. Use the Filter Disposition buttons to narrow the analysis to a specific call disposition.

The Daily Recovery Spikes line chart plots daily collections against the spike threshold (shown as a dashed line). The What Triggered Payments table breaks results down by disposition — Accounts, Collected, Avg/Account, and Recovery % — to show which call outcomes precede payment spikes. Action Recommendations cards then suggest a segment-specific action, each tagged with a priority (High/Medium/Low) and the number of accounts affected.

Click Download Trigger Analysis Excel to export the full breakdown.

The New Customer Upload module as it appears in the Portfolio Intelligence Dashboard.

Lets you enrich and score a brand-new customer book before it enters your main portfolio. The system estimates each account's age (from date of birth or Kenyan ID prefix), scores mobile number contactability by network, and — if your AI model has already been trained — applies its learnings to prioritise every account.

Reference tables show how scoring works: a Kenyan ID Number Patterns table maps ID prefixes to estimated age, risk tier, and behaviour profile (e.g. 6-digit IDs → 65+, Low risk, reliable payers; 8-digit IDs → under 25, High risk, highest default likelihood), and a Mobile Number Patterns table maps number prefixes to network and contactability (e.g. Safaricom 0700-0704/0710-0722 → 85% contactable, easy M-Pesa collection; Telkom 077x → 35%, very hard to reach).

Under Upload Files, choose a Collections File (required, .xlsx or .csv) and optionally a CRM File and Dialer File — these are merged on a common ID or mobile number column. Click Analyse & Score New Book → to process.

Results show KPI cards for Total Accounts, whether the book was AI Scored, and the number of Files Merged; a Mobile Network Breakdown table (Network, Accounts, Share, Avg Contact %, Ease); an Age Distribution chart; ID Risk Tier Distribution cards (Low/Medium/High/Unknown); and an Account Preview table of the first 50 scored accounts. Click Download Scored New Customer Book (Excel) to export the enriched, scored file.

Managing Users

Admins manage the whole team from the Team page — inviting new users, assigning roles, controlling module access, and suspending or removing accounts.

The Team page where admins invite, assign roles to, and manage users.

Invite a User

Roles & Permissions

Suspending or Removing a User

Each row on the Team page has action buttons on the right. Click Suspend to immediately revoke a user's access without deleting their account — the button changes to Activate, which restores access at any time. Suspended users appear dimmed in the list.

Click Delete to permanently remove a user and their account. This cannot be undone.

Two-Factor Authentication

All users can add two-factor authentication (2FA) for extra security. We strongly recommend Admins enable this first — their accounts control billing and team access.

From this point, every login requires your password plus a fresh 6-digit code from the app.

Billing & Subscription

Admins can view the current plan, check usage limits, and upgrade via M-Pesa — all from the Billing page in the sidebar.

The Billing page shows your current plan, how many team members you can add, and your monthly upload allowance. Click a plan card to start an upgrade.

The Billing page showing the current plan and upgrade options.

Every plan includes all 13 dashboard modules, AI/ML scoring, and priority support — the plans differ only in how many team members you can add and how many files you can upload per month.

Troubleshooting

Common issues and how to resolve them quickly.

Support Details

Need help? The Kelvata team is available via multiple channels.