Collections Accounts
Month-end delinquency status for every retail financing account.
38 downloads
Records
8.6M account-months
Size
9.2 GB
Refresh cadence
Monthly
Models trained on it
1
Updated monthly. Last update 3 days ago. Next expected in 28 days.
About this dataset
Month-end delinquency status for every retail financing and card account: days past due bucket, balance, arrears, restructuring and moratorium flags, collection actions and promise-to-pay outcomes. Used for roll-rate forecasting, collections strategy and IFRS 9 staging analysis.
Usage rights
Group Risk (credit risk, IFRS 9) and Collections for forecasting, strategy and provisioning analysis. Customer-level data under banking secrecy (FSA 2013) and PDPA 2010. Stays in-region in Google Cloud Malaysia; export outside the region, re-identification attempts and joins to raw identifiers are prohibited. Direct identifiers are tokenised at ingestion; the token vault is held by Group Data & AI and is not exposed to consumers.
Lineage
Built monthly from core banking and card system delinquency tables and the collections system's action log, aligned to month-end. Rebuilt from the SAS collections mart in 2025 with a reconciled parity report. Dataplex reconciles bucket totals to the monthly credit risk report.
Ownership and sensitivity
Who approves access
- Owner, Credit Risk, Rajesh Kumar
- Data Governance Office, Ahmad Faizal
Customer-level data under banking secrecy and PDPA, and models that decide on customers.
Named-user entitlement with the data owner's consent and a stated purpose; reviewed on expiry.
- Banking secrecy
- Customer account information protected under the Financial Services Act 2013.
- Customer PII
- Contains or processes personal data about customers (PDPA 2010).
- BNM reportable
- Feeds a regulatory return or a figure reported to Bank Negara Malaysia.
1 model trained on this dataset
Details
- Updated
- 2026-07-31
- Cadence
- Monthly
- Format
- BigQuery table (partitioned)
- Licence
- BU Restricted
- Latest version
- 1.3