SystemAIS-004Financial services

Consumer Credit Scorecard

Score unsecured consumer credit applications and return a probability of default with the four principal reasons for the score.

Model tier

Tier 1, material

Status: Approved for operation
State: Deployed
Owner: Louis Wu
Readiness: 68
Blockers: 2

Identity

What the system is, where it is placed, and how often it is reviewed.

Description

Tier 1 model. Independent validation is annual. A challenger model runs in shadow on every scored application.

Markets

European Union

Sectoral class

Tier 1, material

FDA position

Not assessed

EU AI Act tier

Not assessed

QMS reference

MRM-REG-0142

Deployed configuration

Scorecard 7.1

Placed on market

Yes

Internal reviews

12 months, next due 2027-02-24 Open AI Reviews

Lifecycle

Where the system stands, and the act that moves it on. Every move is written to the audit trail under the acting persona.

Registered

The system exists as a record. Design work has not started.

In development

Design and development are under way. Nothing is in use outside the project.

Approved for operation

Released for use. The post-market duties apply from this point.

Under restriction

In use, but with a limitation placed on it after a signal or a finding.

Suspended

Use is stopped while a matter is settled.

Retired

Withdrawn from use. Records are held for the retention period.

Move to

Rationale

Linked records

Navigate from the AI System to every governed record.

Planned Modifications

Chronology

Every dated act on this AI System and its records, in order.

2023-09-11SystemAIS-004AI System registered
2026-02-20Releaseb3c1907Release v7.1Refit on 2025 book, add affordability features
2026-02-24ReviewAIS-004Periodic review completed
2026-07-25SignalDrift: Population stability index risingPSI 0.19 on the applicant mix against a 0.25 action threshold. Monitoring.

Governance gates

A gate is held until it is proven. It passes when the records it depends on exist, an approved AI Review of the matching type is recorded, and no blocker in its scope is open.

Gate	Purpose	Responsible	Outcome	What is missing
Development authorisation	Authorises development against a stated intended purpose.	Independent Reviewer	Held	No AI Use Case is recorded, so there is nothing to authorise development against. Record a use case No approved AI Review of type Development authorisation. Open the review
Model approval	Approves an immutable AI Model Version for use.	Independent Reviewer	Held	No AI Model Version exists, so there is nothing to approve. Record a model version No Dataset Version is linked to a model version for training. Link a dataset No approved AI Review of type Model approval. Open the review
System approval for operation	Approves the complete AI System for operation in a market.	Independent Reviewer	Held	No AI Risk is recorded, so the risk position is unstated. Record a risk No AI Use Case is approved. Open the use cases No approved AI Review of type System approval for operation. Open the review CONF-01 No deployed AI Model Version FIN-01 Independent validation is not current
Change authorisation	Authorises a change inside the Controlled Evolution boundaries.	Quality and Regulatory	Held	No Controlled Evolution boundary is recorded for this AI System. Record the boundary No Planned Modification has been assessed. Open controlled evolution No approved AI Review of type Change authorisation. Open the review
Resumption	Resumes operation after restriction or suspension.	Independent Reviewer	Held	The AI System is not restricted or suspended, so there is nothing to resume. Open the AI System No approved AI Review of type Resumption. Open the review

Posture summary

Compliance posture narrative

A written summary of the computed findings and the recommended order of work. The findings themselves are deterministic. The narrative never states that the AI System is compliant.

Demonstration fill

Generate the rest of the record set

Scout drafts AI Use Cases, AI Models and versions, Datasets and versions, the dataset to model links, AI Risks, AI Reviews and Planned Modifications, all consistent with what this AI System already states. Records are added as drafts and every one carries an audit entry saying it was generated.

Open findings

2 blockers, 2 warnings.

BlockerCONF-01No deployed AI Model Version
The AI System is approved for operation but no model version is marked deployed.
Affects
AIS-004
Effect
The deployed configuration cannot be evidenced.
Record the deployed version
BlockerFIN-01Independent validation is not current
A material model is validated by a function independent of the developer, at least annually.
Affects
AIS-004
Effect
Blocks continued use of the model in production decisions.
Plan the validation review
WarningCE-03No Controlled Evolution declared
Permitted change is undefined, so every change needs a new authorisation.
Affects
AIS-004
Effect
No PCCP can be generated.
Declare Controlled Evolution
WarningFIN-02No fairness risk is recorded
A model that decides access to a financial service carries a discrimination hazard, whether or not it is realised.
Affects
AIS-004
Effect
Weakens the risk file and the Article 10 data governance position.
Record the fairness risk

Monitoring

Signals observed on the deployed configuration.

Metric	Observed	Threshold	State	Observed on

Framework mappings

A mapping records where a requirement is addressed. It does not assert compliance.

Framework	Clause	How it is addressed	Evidence
EU AI Act	Article 14, Human oversight	Adverse decisions above a stated exposure are routed to a credit officer.	Not linked

Audit trail

2023-09-11Louis WuRegistered AI System
2026-02-24Lilith IyapoCompleted independent validation