Credit & Lending

Domain ID	BD05
Owner	Head of Credit Risk
Systems	SD05 · SD06
Repos	bank-credit, bank-risk-platform
Applicability	Platform — SD05 delivers credit decisioning infrastructure. In Track 2 tenants hold the lending licences and own the credit book; the platform delivers the decision engine and impairment calculation they use to manage it.

Credit policy, loan origination, credit decisioning, portfolio management, collections, and IFRS 9 provisioning.

Functions

Credit policy & standards · Loan origination & processing · Credit decisioning & scoring · Portfolio monitoring · Collections & recoveries · Impairment & provisioning (IFRS 9) · Hardship case management

Key systems

• SD05 Credit Platform — affordability calculator, credit scorer, IFRS 9 provisioning
• SD06 Risk Platform — credit risk models, PD/LGD/EAD, ECL

Regulatory highlights

CCCFA 2003 (NZ) and NCCP Act (AU) require documented affordability assessment for every credit decision. The Snowflake affordability calculator (MOD-027) satisfies this automatically. IFRS 9 ECL provisioning required under NZ IFRS 9 / Australian Accounting Standards.

Risk domains

• D02 Credit Risk
• D04 Customer & Conduct
• D07 Regulatory Reporting

Policies owned

• CRE-001 — Credit Risk Management Policy
• CRE-002 — Responsible Lending Policy
• CRE-003 — Credit Decisioning & Scorecard Policy
• CRE-004 — Loan Origination Standards
• CRE-005 — Concentration Risk Policy
• CRE-006 — Impairment & Provisioning Policy
• CRE-007 — Collections & Hardship Policy

Policies applicable

• CON-008 — Financial Hardship Policy
• CON-003 — Vulnerable Customer Policy

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Compiled 2026-05-22 from source/entities/business-domains/BD05.yaml