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Post-origination monitoring for refi, 2nd loan, CLI, cross-sell. After a loan funds, most lenders lose visibility into their borrowers. Method’s Portfolio Intelligence monitors the full liability picture continuously after origination, surfacing 91 real-time signals across 8 categories, so growth, retention, risk, and servicing teams reach their best borrowers before competitors do.

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How it works

Funded loans are enrolled in Attributes v2 + Update + Credit Score Subscriptions, Method continuously monitors the borrower’s full liability picture across 15,000+ institutions, improvement signals trigger CLI / 2nd-loan / refi workflows, and Direct Pay retires competitor balances when the borrower accepts.
1

Enroll the entity in the Attributes v2 subscription

POST /entities/{ent_id}/subscriptions with enroll: attribute. Pass the portfolio_intelligence bundle to onboard the full PI attribute set in one call. Every account on the entity then becomes eligible for attribute generation, and Method pushes recomputed values as the underlying data changes. Portfolio Intelligence (portfolio_intelligence) is a separately enabled product, so ask your Method CSM to turn it on first.
2

Enroll the borrower's accounts in Update Subscriptions

POST /accounts/{acc_id}/subscriptions with enroll: update.
3

Enroll the entity in Credit Score Subscriptions

POST /entities/{ent_id}/subscriptions with enroll: credit_score.
For Portfolio Intelligence: Grow workflows, the readiness, offer-targeting, consolidation, and LTV sub-flows below pull from this same v2 attribute set.

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Identify readiness

Score every borrower against their live liability picture: who’s revolving, who’s approaching payoff, who has a balance worth consolidating. Bureau snapshots are already weeks old at the moment of intent. Key v2 attributes: usage_pattern, overall_utilization, credit_card_utilization, revolving_credit_card_balance_total, revolving_credit_card_balance_change_30d.

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Target with the right offer

Method surfaces APR ranges and live balances. Offers are priced against the rate the borrower is actually paying, not a bureau-estimated rate band. Key v2 attributes: weighted_average_apr_credit_card, revolving_credit_card_balance_total, next_payment_minimum_total_credit_cards, credit_limit_total.

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Execute the consolidation

When the borrower accepts, Direct Pay routes a verified payoff directly to the incumbent issuer. Consolidated payoffs cut delinquency up to ~50% vs. cash-to-borrower disbursement. Driven by Direct Pay (Payments API) rather than the Attributes endpoint. See the Direct Pay use case for the payment-initiation flow.

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Post-origination LTV: 2nd loan and CLI

~33% of personal-loan customers take a second loan within 6 to 12 months. Continuous monitoring surfaces who’s a renewal candidate, and detects when a borrower’s external profile improves enough to support a proactive CLI before they shop competitors. Key v2 attributes: revolving_credit_card_balance_change_90d, overall_utilization_delta_90d, overall_utilization_trend_90d, revolving_credit_card_utilization_delta_90d, revolving_credit_card_utilization_trend_90d.