---
title: "Finance"
description: |
  A consumer-lending business modeled end to end — from how customers are acquired and
  verified, through account funding and loan origination, to repayments, missed payments,
  and collections. Each customer carries an internal risk tier that shapes their whole
  journey: who gets approved, at what interest rate, how likely they are to fall behind,
  and how much the business ultimately writes off. Together the tables let you follow both
  the money and the risk across the entire loan book.
tags: ["owox", "index"]
type: "index"
timestamp: 2026-07-29T14:35:49Z
---

<!-- OWOX:GENERATED:START — regenerated on export, do not edit inside this block -->

**Authors:** [Vlad Flaks](https://github.com/vladflaks), [Rus Obolonsky](https://github.com/Obolrus)

| Data Mart | Fields |
|-----------|--------|
| [Accounts](./accounts.md) | 8 |
| [Balances (monthly)](./balances-monthly.md) | 7 |
| [Collections](./collections.md) | 6 |
| [Customer](./customer.md) | 8 |
| [Loans](./loans.md) | 12 |
| [Product](./product.md) | 5 |
| [Repayments](./repayments.md) | 9 |
| [Transactions](./transactions.md) | 11 |

# Example Questions

- Which acquisition channels bring in the most profitable borrowers once `late payments` and write-offs are taken into account?
- How much of the money lent out is the business likely to lose, and is that improving or worsening for recent `loans`?
- Do higher-risk `customers` who pay on time make up for the ones who default — is the pricing worth the risk?

# Explore this model

**[▶ Explore on canvas](https://model.owox.com/?okf=https://github.com/OWOX/models/tree/main/bundles/finance)**

One click opens this model in a free OWOX canvas you can poke around in — no account needed.

<!-- OWOX:GENERATED:END -->

<img width="2306" height="1424" alt="finance" src="https://github.com/user-attachments/assets/e590a0cf-8e6a-4614-aa4d-7f48e381ff65" />
