Leidra — Your North Star for Financial Performance

leidra.ai — Product Demo

Product Demo

Leidra
Your North Star
for Financial Performance

Leidra provides predictive and prescriptive customer journey intelligence to deliver hyper-personalized understanding, engagement and activation of the borrower/customer that improves portfolio performance.

Your North Star for Financial Performance

Product Demo

Select a use case

1Borrower(select an individual below)

2Understanding

3Journey

4Impact

Representative Borrowers

The Servicing Agent scores each individual borrower's journey and decisioning to determine most likely outcomes and how to positively impact that outcome. Select a borrower to see how it personalizes their outreach.

Leidra mindset classification

Measured outcomes — 10,000 loan test

52%

Anxious – Avoidant
response rate

27%

Reactive – Spontaneous
response rate

36%

Proud – Self-Reliant
response rate

40%

Pragmatic – Transactional
response rate

50%

Resolution rate
all segments

Response Rate by Segment

Anxious – Avoidant (45%)52%

Reactive – Spontaneous (22%)27%

Pragmatic – Transactional (21%)40%

Proud – Self-Reliant (12%)36%

Baseline — Generic Outreach15%

Traditional outreach vs. Leidra personalization

Standard Treatment

15%

Generic message, all channels

Leidra Mindset-Matched
42%
Mindset-matched message + channel

Unsubscribes

Complaints

50%

Resolution Rate

20%

Faster Time to Resolution

Leidra.

Portfolio Optimization

Campaigns

New campaign

Journey Agent

Active campaigns

Results & ROI

Audiences

Profile segments

Journey explorer

Reports

Performance

Jamie L.

Marketing Mgr

Audience Builder

show me the borrowers in the portfolio with a greater than 50% probability of an accelerated positive resolution

Loss mitigation

60–120 dpd

Activation

Cross-sell

Audience segments

Edit

7 segments · 10,412 borrowers

Anxious & avoidant

3,104

Reactive & spontaneous

2,018

Proud & self-reliant

1,591

Pragmatic & transact.

1,210

Channel & tone

Auto-match

SMS

Primary · empathic

Day 4 · soft CTA

Direct mail

Optional

In-app push

Day 9 · low pressure

Estimated reach

5,122

Targeted

Segments

Message Preview — Day 1 SMS

Regenerate

Empathic

Targeted

Urgent

Formal

"Hi [First Name], we know things can get tough. We're here to help — not to pressure you. There are options available right now. No phone call required. [Link]"

Leidra.

Marketing Manager · Journey Agent

app.leidra.ai · Journey Agent

Leidra.

Marketing Workspace

Campaigns

New campaign

Journey Agent

Active campaigns

Results & ROI

Audiences

Mindset segments

Journey explorer

Reports

Performance

Engagement scores

Jamie L.

Marketing Manager

Journey Agent

Ask Leidra to build your audience

show me the borrowers in the portfolio with a greater than 50% probability of an accelerated positive resolution

Loss mitigation 60–120 dpd New customer activation Cross-sell Portfolio retention

Audience segments

Edit filters

7 mindset segments · 10,412 borrowers

Anxious & avoidant

3,104

Reactive & spontaneous

2,018

Proud & self-reliant

1,591

Pragmatic & transactional

1,210

Channel & tone

Auto-match

SMS

Primary · empathic

Day 4 · soft CTA

Direct mail

Optional

In-app push

Day 9 · low pressure

Estimated reach

5,122

Borrowers targeted

Segments

Leidra message preview — Anxious & avoidant · Day 1 SMS

Regenerate

EmpathicTargetedUrgentFormal

"Hi [First Name], we know things can get tough. We're here to help — not to pressure you. There are a few simple options available to you right now, and it only takes a minute to explore them. No phone call required. [Link]"

Tone: Empathic

Channel: SMS

CTA: Self-serve link

Personalization: Name + segment

Leidra. (use case configurable)

Performance Dashboard

Website

Platform performance — all active deployments

Active journeys

18,340

↑ 12% vs last month

Avg response rate

42%

↑ 27pts vs 15% baseline

Engagement lift

+2.8x

↑ vs. generic outreach

Unsubscribe rate

0.0%

Zero opt-outs across all tests

Customer complaints

Zero complaints across all tests

Response rate lift by segment

Anxious – Avoidant (45%)52%

Reactive – Spontaneous (22%)27%

Pragmatic – Transactional (21%)40%

Proud – Self-Reliant (12%)36%

Baseline (generic)15%

Scenario 1 — Loss Mitigation

10,412

Borrowers targeted

42%

Avg response rate

50%

Resolution rate

20%

Faster time-to-contact

Unsubscribe rate

Mindset segments

Scenario 2 — Checking Activation

61%

90-day activation rate

+2.1x

Depth of engagement

34%

Product adoption lift

Unsubscribe rate

23%

Baseline (generic)

Mindset segments

Financial impact — ROI & projected revenueModeled estimate

Incremental value

$60.7M

vs. generic baseline

Est. program cost

$480K

Illustrative — see notes

Blended ROI multiple

125x

Value ÷ cost

Foreclosures avoided

1,406

Incremental, Scenario 1

Checking activations

3,013

Incremental, Scenario 2

Loss Mitigation — Projected Revenue

$59.2M

One-time avoided-loss value from 1,406 incremental foreclosures avoided, valued at $42,103/loan (conservative 23% loss-severity case).

$416K

Program cost

141x

ROI multiple

Checking Activation — Projected Revenue

$7.5M

5-year lifetime recurring revenue from 3,013 incremental activations at $500/account/year (year-1 value: $1.51M).

$63K

Program cost

117.8x

ROI multiple (LTV)

Combined: $66.7M incremental value against $479,904 program cost — ~138x blended lifetime ROI

Value per foreclosure avoided — sensitivity

Conservative – 23% severity (drives model)$42,103

Mid – 35% severity (reference only)$64,069

High – 48% severity (2011 crisis peak)$87,866

Cross-check – flat industry quote (Frasco)$50,000

Derived from GSE loss-severity data: average UPB ($183,055, FHFA non-performing-loan sales, June 2024) × loss severity rate (Urban Institute / Philadelphia Fed research).

Assumptions & sources

Scenario 2's targeted-account count (7,928) is inferred as Active Journeys minus Scenario 1 borrowers — not shown directly on the platform. · Value per foreclosure avoided = avg. UPB × loss severity rate, using the conservative 23% case as the driving assumption (35%/48% cases kept for reference). · Annual revenue per activated checking account ($500) is a midpoint of a $350–$870/yr industry benchmark (StrategyCorps) — a comparatively weaker, single-source estimate. · Program costs ($40/borrower, $8/account) are illustrative benchmarks, not Leidra's actual pricing. · "Incremental" figures isolate value attributable to Leidra's personalization lift vs. each scenario's stated generic-outreach baseline.