Decision Matrix & Scoring Models
Credit scoring, risk bucketing, and auto-rejection (knock-out) rules.
Credit Scoring
Assign points (e.g. 700+ Score = +50; 1-year job stability = +10)
- credit_score >= 700 +50 pts
- credit_score >= 600 AND credit_score < 700 +25 pts
- tenure_months >= 12 (job stability) +10 pts
- residence_type = owned +15 pts
Risk Bucketing
Categorize applicants: Low, Medium, High risk
- Low Score 70–100
- Medium Score 40–69
- High Score 0–39
Auto-Rejection Triggers
Knock-out rules that end the application immediately if a critical policy is failed
| Rule | Adverse Action Code | Action |
|---|---|---|
| Blacklist match (internal or external) | REJ-01 | |
| Age outside MIN_AGE–MAX_AGE | REJ-02 | |
| Monthly income < MIN_SALARY | REJ-03 | |
| Insufficient income (DBR > MAX_DBR_PCT) | REJ-04 |