Consumer Credit Scorecard
Score unsecured consumer credit applications and return a probability of default with the four principal reasons for the score.
- Status
- Approved for operation
- State
- Deployed
- Owner
- Louis Wu
- Readiness
- 68
- Blockers
- 2
Findings are computed from record state on every read, evaluated on 2026-07-30. Nothing here is stored on a record.
Blockers
A blocker stops a governance gate from passing.
- 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.
- 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.
Warnings
A warning lowers readiness but does not stop a gate.
- 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.
- 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.
For information
Recorded so nothing is silently dropped.
- InformationSIG-01Drift signal not acknowledged: Population stability index rising
PSI 0.19 on the applicant mix against a 0.25 action threshold. Monitoring. Observed 2026-07-25.
- Affects
- AIS-004
- Effect
- Requires triage and a recorded response.