Our Value Proposition:
MonJa is a digital lending industry expert. Our loan investment analytics tools help enhance our clients’ fund returns and reduce their portfolio delinquencies. With our loan selection strategy and portfolio analytics, marketplace lending investors significantly improve their portfolio performance. If you need a loan to invest, see here this blog post about bad credit loans guaranteed approval.
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Our Value Proposition:
MonJa is a digital lending industry expert. Our loan investment analytics tools help enhance our clients’ fund returns and reduce their portfolio delinquencies. With our loan selection strategy and portfolio analytics, marketplace lending investors significantly improve their portfolio performance.
Performance Attribution:

Performance Attribution:
Features:
– Visualization interface presenting sources of allocation & excess returns
– Standard & Custom Benchmark Comparison
Benefits:
– Understand what’s driving your returns
– Break down major attributes at the portfolio level to explain performance
– Gain ability to drill down on attribution by variables and understand relative alpha generation
Loan Scoring:

Loan Scoring:
Features:
– Proprietary Profit Scoring
– Allocation Optimizer
– Customized Credit Modeling
Benefits:
– Optimally select loans according to criteria
– Combine results with hundreds of attributes to accurately model all levels of risk
– Backtesting to enhance current investment strategy
Portfolio Analytics:

Portfolio Analytics:
Features:
– Loan pool tracking
– Platform monitoring
– Vintage cash flow projections
Benefits:
– Real-time analysis to monitor your loan portfolio holdings and performance
– Top-down dashboard to see trends and key metrics with the ability to drill down by grade, term, and platform
– Clean and aggregate different data fields for standard comparison
– Produce dynamic and static reports (in pdf, Excel) for managed accounts without compromising data quality
Risk Management:

Risk Management:
Features:
– Loan-level prepayment analysis
– Delinquency and expected-loss forecasting
– Scenario & Monte-Carlo stress testing
Benefits:
– Customized filters to select risk-stratified segments on your loan portfolio
– Discover and monitor the risks in your investment strategy using a full range of statistics
– Capture all the risks of borrower’s ability to default and expected loss under stress scenarios
MPL Valuation & Loan Pricing:
Features:
– DCF-based valuation framework
– Markov-chain simulation with calibrated transition vectors
– Over 100 daily third-party and proprietary time series input
– Loan-attribute level custom segmenting
Benefits:
– Intra-month visibility of pool performance
– Automated report delivery to accounting system and fund admin
– Fully-managed service
– Customizable dashboards and delivery options
MPL Valuation & Loan Pricing:
Features:
– DCF-based valuation framework
– Markov-chain simulation with calibrated transition vectors
– Over 100 daily third-party and proprietary time series input
– Loan-attribute level custom segmenting
Benefits:
– Intra-month visibility of pool performance
– Automated report delivery to accounting system and fund admin
– Fully-managed service
– Customizable dashboards and delivery options