search
notifications
person
Risk Governance Protocol

Membership Tier Governance & Borrower Network

Configure institutional credit ceilings, automated tier escalation thresholds, agent commission splits, and risk-weighted promotion approvals under Bank Negara Malaysia regulatory standards.

Registered Borrowers
group
0 trending_up --
Active In-Cycle: 11,204 KYC Pass: 98.2%
Tier Distribution
pie_chart
Reg: 0 Slv: 0
Gld: 0 Dia: 0
Plat VIP: 0 Total: 0
Median Limit: -- Liquidity Healthy
Escalation Backlog
verified
34 Requests
Agent Accreditations: 12 4 Urgent
SLA Target: < 2 hours review
Referral Bonus Disbursed
currency_exchange
RM 248,500
This Month: RM 38,200 +9.1%
check_circle Direct Firestore Escrow Settled
tune

5-Tier Risk & Commission Engine

Deterministic rule matrix for instantaneous loan underwriting caps, tenure windows, default penalties, and agent commissions.

Level 1 person_outline

Regular Member

Baseline consumer onboarding

Promotion Trigger Auto-granted upon NRIC KYC completion
Max Tenure: 14 Days
Overdue Surcharge: RM 15 / day
Pool: 0 users System Locked
Level 2 workspace_premium

Silver Member

Consistent repayment status

Promotion Trigger 5 settled loans OR 10 referrals
Max Tenure: 14 Days
Overdue Surcharge: RM 10 / day
Pool: 0 users Auto Promote
Level 3 military_tech

Gold Member

Community promoter credit

Promotion Trigger 50 direct verified referrals
Max Tenure: 28 Days
Overdue Surcharge: RM 10 / day
Pool: 0 users Fast Track
Level 4 diamond

Diamond Agent

Verified channel syndicator

Promotion Trigger Admin Manual Verification & SSM
Max Tenure: 60 Days
Overdue Surcharge: RM 5 / day
Pool: 0 users Requires Audit
Level 5 shield_person

Platinum VIP

Institutional sovereign facility

Promotion Trigger VIP Direct Invitation & Collateral
Max Tenure: 90 Days
Overdue Surcharge: Negotiated Tier
Pool: 0 users Board Level

Pending Tier & Agent Promotion Applications

Verify borrower performance metrics, agency commission applications, and credit bureau risk scores before applying tier upgrade.

34 Applications Awaiting Decision
Borrower / Identity Current Tier Requested Tier Qualifying Metric Risk Score Verification Doc Administrative Action
badge

No Tier Upgrade Applications Pending

When borrowers qualify for credit escalation or apply for Diamond Agent status, their applications will display here in real time.

Member Directory & Risk Segmentation

Comprehensive registry with tier status, overdue flags, and risk standing.

filter_list
Borrower ID Full Name Assigned Tier Active Exposure Total Referrals BNM Compliance Account State Actions
NSF-MY-89214
Nurul Hidayah binti Razak hidayah.razak@outlook.my
Gold Member RM 2,500.00 54 registered Cleared Active
NSF-MY-89215
Kavitha a/p Subramaniam kavitha.s@gmail.com
Silver Member RM 900.00 12 registered Cleared Active
NSF-MY-89216
Chong Kah Lok kl.chong@finflow.com.my
Diamond Agent RM 10,000.00 126 registered Audited SSM Active
NSF-MY-89217
Mohamad Hafiz bin Ishak hafiz.ishak@yahoo.com
Regular Member RM 500.00 (Overdue +18d) 1 registered CCRIS Impaired Suspended
Showing 1 to 4 of 0 borrowers
Page 1 of 3,723