Like you BJI, I will begin to exclusively use manual loan selection only in a very concentrated grade band based on my results from the last 25 months lending.
My remaining A, E and F grades will vanish from my portfolio by attrition.
My return is currently 232 pips above the platform RAR and I expect this to increase to 500-600 pips over the next 12 months to a RAR of 16.5 to 18%.