Overdraft lead tranche model

Overdraft claims with irresponsible lending opportunities layered on top.

Clear Law
Lead specification. Minimum six consecutive months' overdraft usage within a 24-month period, with quantum calculated across the full 24 months. Every client arrives with a credit report and a signed DBA and LOA, so the lead-to-signed rate is fixed at 100%.

Product and pricing

Choosing a quantum tier reloads the published prices and the redress bands. Every figure stays editable afterwards.

%

Overdraft claim

£
£

Irresponsible lending opportunities

%
£
£
%
Total lead spend
All-in cost per lead
Spent on overdraft
Spent on IL opportunities
Revenue share payable

Conversion

The retainer is already signed at source and the lender is identified before signing, so the only leakage is duplicates and clients who withdraw.

100% — fixed, DBA and LOA signed at source
0% — fixed, lender identified before the LOA is signed
%
%
%
Live clients
Survival rate
Cost per live client
OB-backed at decision

Claims and outcomes

One overdraft claim per client, plus the IL opportunities purchased. Rejected claims get a second run at the Ombudsman.

Overdraft claims

%
%

Irresponsible lending claims

%
%

Ombudsman

%
%
Total claims raised
Overdraft claims
IL claims
Claims per lead
Blended uphold rate

Redress quantum

The tier is a floor, not an average, so the overdraft book is split across bands. Edit the amounts and the weights.

Overdraft bandAverage redressShare of upheld OD claims
At the floor £ %
Mid £ %
Large £ %
Very large £ %

Weights total 100%.

£
%
%
Weighted average OD redress
Net fee per upheld OD claim
Net fee per upheld IL claim
Redress recovered for clients

Cost to serve

Everything it costs to work the tranche once the leads are bought.

£
£
£
£
£
Cost to serve
Cost per upheld claim
Annualised return

Sensitivity

Profit per lead bought, in every grid. Anything not named in a grid holds at the assumption above.

Uphold rate against overdraft lead price

Rows move all uphold rates together; columns move the overdraft lead price at both open banking states.

Redress quantum against fee rate

Rows scale every redress figure, overdraft and IL, up or down together; columns vary the fee charged on redress.

Open banking mix against IL opportunities purchased

Rows vary how much of the tranche arrives with open banking; columns vary how many of the IL opportunities you buy. This is the pricing decision the two tiers really turn on.

IL uphold rate against provider revenue share

Rows move the IL uphold rates only; columns vary the share the provider takes of IL fee income. The overdraft claim is untouched in this grid, so what moves here is entirely the bolt-on.