CAP-065 — Pre-approval engine (nightly eligibility scoring)

Category	Intelligence & automation (platform)
Business goal	BG-003 · BG-006
Satisfying module	MOD-029 Pre-approval engine
Mode	AUTO
BD owner	BD05 Credit
Human needed	No

A nightly batch process that scores every eligible existing customer for pre-approved personal loans, overdrafts, and credit card limits based on their current account data, income patterns, and risk profile. Pre-approved offers are displayed to eligible customers in-app without requiring a credit application — customers can accept in one tap. Accepting a pre-approved offer is a soft credit check, not a hard enquiry.