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 Finder
FavoritesCollabo…Favorite ★ Events
Active Filters
GFV Expiring in 90 Days
147
Customers
Equity Above $4,000
92
Customers
Insurance Expiring
61
Customers
Finance Maturing
83
Customers
Vehicle Age 3+ Years
276
Customers
GFV Expiring
0 – 90 Days
Minimum Equity
$4,000+
Vehicle Brand
Toyota
Top Matching Customers
CustomerVehicleGFV ExpiryEquityFinance BalanceDealer
James AndersonToyota Hilux SR528 Jun 2025$7,250$18,450Adelaide Toyota
Sarah MitchellToyota RAV4 GXL15 Jul 2025$6,180$22,300Northpoint Toyota
Michael BrownLandCruiser 30022 Jul 2025$15,450$41,120CMI Toyota

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
DEALERS
312
212 NORMAL 69%
42 MONITOR 13%
16 WATCH 6%
6 HIGH-RISK 2%
2DEALERS REQUIRING ATTENTION
Who needs your focus and why.
DEALERRISK RATINGKEY ISSUE
Dealer AHigh RiskLow Inventory Equity
Dealer BHigh RiskProfitability Decline
Dealer DMonitorHigh Aged Stock
Dealer CMonitorNegative Working Capital
Dealer EMonitorDebtors Days Increasing
Dealer FMonitorFacility Utilisation High
33 Dealers flagged for action. Includes new alerts and deteriorating trends.
3DEALERS IMPROVING
Progress and recovery across your network.
18
Dealers improving.
Moving to lower risk or coming off monitoring.
Dealer GInventory equity improved
Dealer HProfitability improving
Dealer ILiquidity strengthened
Dealer JWorking capital improving
Dealer KPerformance stabilising
Track improvement and confident(ce)ing over time.
↗ One clear snapshot of portfolio risk and movement.
DEEP DIVE RECOMMENDED

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.
Ri-gnr8
Opportunity Finder
Campaigns
Customer Lists
Reports
Data Insights
Settings
Campaign Builder
Quick StartAdvanced BuilderAI Assistant NEW
Describe the customers you want to find
Examples:GFV expiring in next 90 daysEquity above $5,000Insurance expiring soonHigh value customers
Active Filters (4)
GFV Expiry
< 180 Days
×
Current Equity
> $3,000
×
Make
Toyota
×
Model
Hilux
×
ANDANDAND

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
DEALERS
312
212 NORMAL 69%
42 MONITOR 13%
16 WATCH 6%
6 HIGH-RISK 2%
2DEALERS REQUIRING ATTENTION
Who needs your focus and why.
DEALERRISK RATINGKEY ISSUE
Dealer AHigh RiskLow Inventory Equity
Dealer BHigh RiskProfitability Decline
Dealer DMonitorHigh Aged Stock
Dealer CMonitorNegative Working Capital
Dealer EMonitorDebtors Days Increasing
Dealer FMonitorFacility Utilisation High
33 Dealers flagged for action. Includes new alerts and deteriorating trends.
3DEALERS IMPROVING
Progress and recovery across your network.
18
Dealers improving.
Moving to lower risk or coming off monitoring.
Dealer GInventory equity improved
Dealer HProfitability improving
Dealer ILiquidity strengthened
Dealer JWorking capital improving
Dealer KPerformance stabilising
Track improvement and confident(ce)ing over time.
↗ One clear snapshot of portfolio risk and movement.
DEEP DIVE RECOMMENDED
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 to inform 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.

Request a demonstration