HYPOTHESIS
Unsettled delivered-COD is not a settlement-pipeline problem — it is cash physically retained by a small set of couriers.
If the pipe were slow, unsettled cash would be spread evenly and settle-times would show a long tail. Neither is true: settlement is near-instant when it happens, and the outstanding value is heavily concentrated.
DATA PULLED · READ-ONLY SELECTS
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CONTRIBUTING FACTORS · RANKED BY IMPACT
share of QAR 214,257 held
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EVIDENCE · HELD CASH BY COURIER · TOP 10 OF 305
finance.worker_cod
Settlement speed rules out the pipe: p50 4.2h · p90 8.0h · 99.6% same-day (11,963 settlements).
RECOMMENDED ACTION
Recall held cash from couriers 2261, 2567 and 1971 at next shift start; pause new COD assignment until settled.
QAR 44,470
expected recovery in 24h
reversible
pause auto-lifts on settlement