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
- 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
Monitoring does not stop when an AI System is approved. A signal opens a finding, and a breach can place the AI System under restriction before anyone opens a form.
Scout is watching
1 signal open.
Open signals
Most severe first. Nothing closes itself.
| Observed | Type | Signal | Severity | |
|---|---|---|---|---|
| 2026-07-25 | Drift | Population stability index rising PSI 0.19 on the applicant mix against a 0.25 action threshold. Monitoring. | Information |
Answered
Kept, because the response is part of the record. An acknowledgement made in error can be reversed here, and the reversal is written to the audit trail.
| Observed | Type | Signal | Severity |
|---|
Nothing answered yet.