UK Repayment Pressure Index for Portfolio Monitoring, EWS and IFRS 9 Commentary
UK repayment pressure benchmark built from aggregated behavioural signals. Designed for Risk MI, Portfolio Monitoring, and Collections planning.
Consumer Credit Index (CCI) is a market-level behavioural benchmark derived from aggregated, anonymised first-party repayment indicators. It provides an external overlay that helps distinguish broad consumer repayment pressure from book-specific portfolio effects.
Interpretation guidance
Internal MI shows outcomes in your book. CCI shows behavioural repayment pressure in the market.
CCI is intended to complement internal outcomes and bureau views as market-level context within monthly reporting and governance.
Built for: Risk MI • Portfolio Monitoring • IFRS 9 / Impairment commentary • Collections Strategy • Conduct / Consumer Duty
What we track (leading indicators)
CCI summarises directional changes in repayment behaviour, including:
- Minimum payment pressure: proximity to minimum-payment behaviour
- Intent vs ability gap: intent to reduce balances vs implied payoff horizon
- Repayment strain: repayment headroom and time-to-paydown profile
- Revolving balance strain: pressure concentration in higher balance cohorts
- Relief-seeking behaviour: balance-transfer intent, consolidation intent, APR sensitivity
This public view is based on aggregated UK behavioural observations and is provided as a reference extract.
Important: CCI is an external behavioural context overlay for Risk MI and Portfolio Monitoring. It is not a bureau dataset, not customer-level credit performance data, and not a market share or issuer ranking product.
Licensed access includes the full indicator series, archive, and reuse rights. Real-time API access is available under licence.
Contents
- Coverage & definitions
- Consumer Credit Index (July to October 2025)
- Key signals
- Balances & concentration
- Payoff intent (pressure mapping)
- Payment behaviour & stress gap
- Evidence base & official benchmarks
- Notes & limitations
- Methodology
- Licence & reuse