Credit risk control indicators

Which risk indicators should be monitored during risk control loans?
Overdue rate, return dimension, retention rate, withdrawal rate, quota utilization rate, re-borrow rate, fund use monitoring,
in the Internet industry, users start to use applications within a certain period of time, after After a period of time, users who continue to use the application are considered to be retained users. The percentage of these users to new users at the time is the retention rate