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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

Suitability is stated per pairing. A Dataset Version that is suitable for one AI Model Version is not automatically suitable for another.

Bringing data to a model
Linking is three fields: which dataset version, which model version, and whether it trains, tests or monitors. The link is created immediately as Not assessed, and the suitability conclusion follows. Every link carries a conclusion.

Link matrix

Dataset versions down, model versions across. A filled cell is a recorded use.

Dataset version

Tr training · Va validation · Te testing · Mo monitoring. Outline means the suitability conclusion is still open.

Dataset Models

Each row links one Dataset Version to one AI Model Version for one activity.

Dataset VersionAI Model VersionActivityConclusionRationaleAssessed