no problem 1) you will need to ask zip to provide vintage loss...

no problem

1) you will need to ask zip to provide vintage loss analysis...

this report enables the reader to identify whether a pool of accounts booked in Q1-2018 (for example) are performing better/worse than pool of accounts in Q1-2019. both reporting periods will need to have same outcome period (meaning you give the 2 pools of accounts the same time to determine credit performance...so usually 12 months

so look at Q1-2018 pool of accounts, measure loss rates after each of these accounts have 12 months performance history

then repeat for Q1-2019 pool of accounts...

vintage loss rates enables the reader to measure credit quality over different account creation periods


2) I don't work for apt, but knowing how they roll, they're probably going to say that they are world leaders in this space, they'll refer to AI, machine learning etc etc