CreditNirvana’s patent pending AI/ ML Early Warning Engine dynamically capture both structured and unstructured data and provide rolling next three months payment risk scores of each customer. The Bounce Predictor/Propensity to pay engine dynamically provide the payment risk propensity of next due payment of each customer predict the loan behavior of customers. The ML Action Recommendation Engine dynamically provide the next best action for each customer based on the payment propensity and response sentiments ML Risk categories are computed based on variables including demographic, microeconomic, sentiment and payment behavior.