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Credit score & risk rating
ID MOD-028
System SD05
Repo bank-credit
Build status Deployed
Deployed Yes
Last commit 19b0610

Bureau score, internal behavioural score, and debt-to-income ratio combined into a single risk rating. Rating drives pricing, LVR limits, and provisioning parameters.

Module dependencies

Depends on

Module Title Required? Contract Reason
MOD-128 Credit bureau enquiry and CCR integration Required — Bureau enquiry client invoked by the credit scoring model to retrieve the applicant's credit file from external bureaux — score cannot be computed without bureau data.
MOD-010 CDD tier assignment engine Required contract/api/ CDD profile is required to identify the customer before credit scoring can be applied.
MOD-027 Affordability calculator Required — Affordability assessment result is a mandatory input to the credit decision model.
MOD-042 CDC pipeline — Neon logical replication to S3 Iceberg Optional — Historical transaction data from CDC pipeline enriches the credit scorecard features.
MOD-104 AWS shared infrastructure bootstrap Required — AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed.
MOD-103 Neon database platform bootstrap Required — Neon database and schema provisioned by MOD-103 must exist before this module can read or write Postgres.

Required by

Module Title As Contract
MOD-029 Pre-approval engine Hard dependency —
MOD-030 Stage allocation model Hard dependency —
MOD-033 RWA & capital ratio engine Hard dependency —
MOD-059 Credit bureau submission engine Hard dependency —
MOD-066 Collateral & security management Hard dependency —
MOD-105 Product eligibility engine Hard dependency —

Policies satisfied

Policy Title Mode How
CRE-001 Credit Risk Management Policy AUTO Credit risk rating applied consistently to every borrower — no subjective override without documented justification
CRE-003 Credit Decisioning & Scorecard Policy LOG Scorecard governance — model version logged against every decision
DT-005 Model Risk Management Policy LOG Credit model in model inventory, validated quarterly, performance monitored in Snowflake
CLQ-001 Capital Adequacy Policy CALC Risk rating maps to Basel risk weight — feeds RWA calculation automatically

Capabilities satisfied

Capability Title Mode How
CAP-068 Automated credit decisioning engine AUTO Runs the full credit decisioning model and returns an approve/decline/refer outcome without manual intervention.
CAP-077 Credit limit management & utilisation CALC Calculates and enforces the approved credit limit, blocking drawdowns that would exceed the available balance in real time.

Part of SD05 — Credit Decisioning & Loan Platform Compiled 2026-05-22 from source/entities/modules/MOD-028.yaml