Automotive Finance Intelligence

Two AI-powered solutions for automotive finance companies.

Increase customer retention. Gain earlier visibility of dealer financial risk.

Customer Retention Intelligence

Identify and convert more renewal, refinance and upgrade opportunities.

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Opportunity Finder
Campaigns
Customer Lists
Reports
Data Insights
Settings
Opportunity FinderFavorites · Collaborate · Export to Contacts
147
Customers
92
Customers
61
Customers
83
Customers
276
Customers
GFV Expiring in 90 Days
Top Matching Customers
CustomerVehicleGFV ExpiryEquityFinance BalanceDealer
James AndersonToyota Hilux SR528 Jun 2025$7,230$18,400Adelaide Toyota
Sarah MitchellToyota RAV4 GXL14 Jul 2025$6,180$22,300Northern Toyota
Michael BrownLandCruiser 30022 Jul 2025$15,400$41,130CMI Toyota
Active Filters
GFV Expiry < 90 Days
Minimum Equity $5,000+
Vehicle Brand Toyota
Dealer All Dealers

Dealer Risk Intelligence

AI-enabled dealer financial analysis that converts inconsistent financial submissions into trusted risk intelligence.

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DBM TRIAGE – EXECUTIVE RISK INTELLIGENCE

A clear view of portfolio risk, emerging concerns and dealer improvement.

1WEEKLY PORTFOLIO SUMMARY
Where things stand across your network.
TOTAL DEALERS312
212NORMAL69%
42MONITOR13%
16WATCH6%
6HIGH RISK2%
KEY MOVEMENTS THIS WEEK
8Moved to higher risk
9Moved to lower risk
5No change
One clear snapshot of portfolio risk and movement.
2DEALERS REQUIRING ATTENTION
Who needs your focus and why.
DEALERRISK RATINGKEY ISSUETREND
Dealer AHigh RiskLow Inventory Equity
Dealer BHigh RiskProfitability Decline
Dealer CWatchHigh Aged Stock
Dealer DWatchNegative Working Capital
Dealer EMonitorDebtors Days Increasing
Dealer FMonitorFacility Utilisation High
33Dealers flagged for action
Includes new alerts and deteriorating trends.
DEEP DIVE RECOMMENDED
12 dealers recommended for deeper analysis based on trend and risk rating.
3DEALERS IMPROVING
Progress and recovery across your network.
18Dealers improving
Moving to lower risk or coming off monitoring.
Dealer GInventory equity improved45 days
Dealer HProfitability improving38 days
Dealer ILiquidity strengthened31 days
Dealer JWorking capital improving26 days
Dealer KPerformance stabilising20 days
Track improvement and confidently reduce monitoring over time.

Customer Retention Intelligence

Retain more customers. Create more renewal opportunities.

Find the right customers at the right time and engage them with personalised campaigns across every channel.

Opportunity Finder

Discover high value customers ready to renew, refinance or upgrade.

AI Campaign Builder

Build targeted campaigns in minutes with advanced filters and AI assistance.

Communications

SMS, email and document management integrated with dealer workflows.

Reporting & Analytics

Track performance, conversions and campaign ROI with real time dashboards.

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Opportunity Finder
Campaigns
Customer Lists
Reports
Data Insights
Settings
Campaign Builder
Quick StartAdvanced BuilderAI AssistantNEW
Describe the customers you want to find
Show Toyota Hilux owners with over $3,000 equity and GFV expiring within 180 days.
Examples:GFV expiring in next 90 daysEquity above $5,000Insurance expiring soonHigh value customers
Active Filters (4)
GFV Expiry< 180 Days×
AND
Current Equity> $3,000×
AND
MakeToyota×
AND
ModelHilux×

Dealer Risk Intelligence

A new intelligence layer for dealer financial risk.

Dealer Risk Intelligence sits between dealer financial submissions and your existing risk platform, transforming inconsistent financial data into trusted, standardised intelligence.

It doesn't replace your current systems—
it makes them smarter.

DEALERS SUBMIT FINANCIALS

Excel, PDF, Word, accounting reports or trial balances.

DEALER RISK INTELLIGENCE
  • AI-assisted extraction
  • Standardisation
  • Validation
  • 500+ KPI calculations
  • Risk assessment
  • Trend detection
YOUR EXISTING RISK PLATFORM

Consistent financial intelligence delivered into your existing workflows.

STRATEGIC OUTCOMES
Standardised, trusted data

Inconsistent formats converted to a common language.

Early risk detection

Identify issues sooner and reduce losses.

Faster decisions

Less manual work, quicker analyst insights.

Lower operating cost

Fewer resources spent on data rework and validation.

Stronger portfolio performance

Better visibility leads to better actions and outcomes.

What executives receive

Focus on the dealers that matter most.

Executive dashboards and reports provide clear visibility so you can make proactive, confident decisions across your dealer network.

  • Weekly portfolio summaries
  • Dealers requiring immediate attention
  • Dealers improving over time
  • Monthly dealer reports
  • Annual deep-dive reviews

DBM TRIAGE – EXECUTIVE RISK INTELLIGENCE

A clear view of portfolio risk, emerging concerns and dealer improvement.

1WEEKLY PORTFOLIO SUMMARY
Where things stand across your network.
TOTAL DEALERS312
212NORMAL69%
42MONITOR13%
16WATCH6%
6HIGH RISK2%
KEY MOVEMENTS THIS WEEK
8Moved to higher risk
9Moved to lower risk
5No change
One clear snapshot of portfolio risk and movement.
2DEALERS REQUIRING ATTENTION
Who needs your focus and why.
DEALERRISK RATINGKEY ISSUETREND
Dealer AHigh RiskLow Inventory Equity
Dealer BHigh RiskProfitability Decline
Dealer CWatchHigh Aged Stock
Dealer DWatchNegative Working Capital
Dealer EMonitorDebtors Days Increasing
Dealer FMonitorFacility Utilisation High
33Dealers flagged for action
Includes new alerts and deteriorating trends.
DEEP DIVE RECOMMENDED
12 dealers recommended for deeper analysis based on trend and risk rating.
3DEALERS IMPROVING
Progress and recovery across your network.
18Dealers improving
Moving to lower risk or coming off monitoring.
Dealer GInventory equity improved45 days
Dealer HProfitability improving38 days
Dealer ILiquidity strengthened31 days
Dealer JWorking capital improving26 days
Dealer KPerformance stabilising20 days
Track improvement and confidently reduce monitoring over time.
▤
MONTHLY DEALER REPORTS
Automated reports delivered to each dealer.
Key financial metrics
Risk rating and trend
Benchmark and commentary
▤
ANNUAL DEEP-DIVE REVIEW
Comprehensive analysis in when strategic decisions.
Full financial analysis
Peer benchmarking and insights
Recommendations and actions

Why Op2ma?

Built for automotive finance
Proven platform and expertise
AI-enabled financial intelligence
500+ standardised KPIs
International deployments
Flexible integration with your systems

Smarter customer retention. Smarter dealer risk decisions.

Whether you're looking to retain more finance customers or improve dealer risk visibility, Op2ma delivers purpose-built intelligence for automotive finance companies.

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