Consumer Credit Scorecard
Score unsecured consumer credit applications and return a probability of default with the four principal reasons for the score.
- Status
- In operation
- State
- Deployed
- Owner
- Louis Wu
- Record completeness
- 56
100, less 12 for each open blocker and 4 for each warning. It measures the record, not the performance of the AI System.
The system is in operation while its record stands below the floor of 70. That contradiction is raised as blocker STATE-01.
- Blockers
- 3
Lifecycle
Where the system stands, and the act that moves it on. Every move is written to the audit trail under the acting persona.
The system exists as a record. Design work has not started.
Design and development are under way. Nothing is in use outside the project.
The release decision is taken and the record supports it. The system is not yet in use, so the post-market duties have not started.
In use outside the project. The post-market duties apply from this point.
In use, but with a limitation placed on it after a signal or a finding.
Use is stopped while a matter is settled.
Withdrawn from use. Records are held for the retention period.
Identity
What the system is, where it is placed, and how often it is reviewed.
Linked records
Navigate from the AI System to every governed record.
Chronology
Every dated act on this AI System and its records, in order.
- 2026-07-25SignalDrift: Population stability index risingPSI 0.19 on the applicant mix against a 0.25 action threshold. Monitoring.
- 2026-02-24ReviewAIS-004Periodic review completed
- 2026-02-20Releaseb3c1907Release v7.1Refit on 2025 book, add affordability features
- 2023-09-11SystemAIS-004AI System registered
Governance gates
A gate is held until it is proven. Each card states what is already in place and, plainly, the single next act that would move it. A gate can hold on one unmet item while everything else is done.
Authorises development against a stated intended purpose.
No AI Use Case is recorded, so there is nothing to authorise development against. Record a use case
Then 1 further requirement.
In place · 1
- The intended purpose is not stated on the AI System.
Approves an immutable AI Model Version for use.
No AI Model Version exists, so there is nothing to approve. Record a model version
Then 2 further requirements.
Approves the complete AI System for operation in a market.
No AI Risk is recorded, so the risk position is unstated. Record a risk
Then 2 further requirements.
- CONF-01 No deployed AI Model Version
- FIN-01 Independent validation is not current
Authorises a change inside the Controlled Evolution boundaries.
No Controlled Evolution boundary is recorded for this AI System. Record the boundary
Then 2 further requirements.
Resumes operation after restriction or suspension.
The AI System is not restricted or suspended, so there is nothing to resume. Open the AI System
Then 1 further requirement.
Posture summary
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.
Open findings
3 blockers, 2 warnings. Readiness is 100, less 12 for each open blocker and 4 for each open warning. It measures how much of the record is unfinished, not how well the AI System performs.
The AI System is approved for operation but no model version is marked deployed.
- Affects
- SystemAIS-004
- Effect
- The deployed configuration cannot be evidenced.
A material model is validated by a function independent of the developer, at least annually.
- Affects
- SystemAIS-004
- Effect
- Blocks continued use of the model in production decisions.
2 other blockers are open against this AI System, which puts readiness at 68. A system in use is expected to stand at 70 or above with no blocker open.
- Affects
- SystemAIS-004
- Effect
- The state declared on the record is not supported by the records behind it. Either finish the record, or move the system back to a state it can support.
Permitted change is undefined, so every change needs a new authorisation.
- Affects
- SystemAIS-004
- Effect
- No PCCP can be generated.
A model that decides access to a financial service carries a discrimination hazard, whether or not it is realised.
- Affects
- SystemAIS-004
- Effect
- Weakens the risk file and the Article 10 data governance position.
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