seabbs
P2P Blogger
Posts: 41
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Post by seabbs on Aug 25, 2017 10:02:59 GMT
Hi guys,
I've been using FS for a while but have had my main focus on FC. I've been doing exploratory data analysis on the FC loan book and have made a web app for others to do the same (www.seabbs.co.uk/shiny/fcdashboard). Given FC's recent changes I am interested in looking elsewhere - FS seems like a good option. However their dashboard, statistics releases etc. make me slightly concerned as they are very limited. Having to trust a black box is not ideal - especially when the performance statistics are so limited.
I was wondering what data FS releases - I have had a look around their website and apart from a limited statistics page, I haven't found much. Preferably I would like a full release of their loanbook, and the option to download your personal/current loanbook. From this, I could then make an improved dashboard for my own use (or anyone else's if there is interest). If I haven't found it because they don't release data what steps do you guys take to check the performance of your loan books?
Seabbs
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ali
Member of DD Central
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Post by ali on Aug 25, 2017 10:19:19 GMT
You can download your Account Movements (ie., journal) from the Account Information tab in csv or xlsx format and you can save the My Investments tab to scrap your portfolio from using libtidy or something similar. I can work out from that my net yield on closed loans, my weighted average rate for open loans and my total exposure which are the things I take care to track.
The loan book is available under All active and past loans.
What FS don't publish is the SM data (ie., what loan parts were sold at what discounts/premiums) which would be very useful. Can't have everything.
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seabbs
P2P Blogger
Posts: 41
Likes: 22
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Post by seabbs on Aug 25, 2017 10:30:54 GMT
Thanks for the heads up.
I thought it might be a scraping job - I was hoping they had a cleaner solution. Having to go to all this trouble does not inspire confidence in the platform.
I assumed they would have a more detailed back end database containing more data - with things like region, type of loan, date of payment, date of default etc as variables. The information they surface about each loan is so limited it almost isn't worth the effort of getting it into a tidy format. For example, how they are doing on defaulted loans, the rates of recovery over time, which variables affect default/recovery are key to their performance.
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phil
Posts: 190
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Post by phil on Aug 25, 2017 11:29:06 GMT
Having to trust a black box is not ideal - especially when the performance statistics are so limited. Hi, second time this week I read someone referring to a black box on this forum, what is it, where is it and what is it for? Many thanks, Phil
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ali
Member of DD Central
Posts: 313
Likes: 311
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Post by ali on Aug 25, 2017 11:41:19 GMT
Having to trust a black box is not ideal - especially when the performance statistics are so limited. Hi, second time this week I read someone referring to a black box on this forum, what is it, where is it and what is it for? Many thanks, Phil See wikipedia
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