{"runtime":"typescript-v0-scorecard","result":{"modelVersion":"lendgo-v0-scorecard-proof-2026-05-22","modelType":"transparent_v0_scorecard_proof","validationStatus":"structure_proof_only_not_final_ml_accuracy","accountNo":"1259807","outcome":"decline_manual_review_candidate","features":{"ageYears":44.5,"consentCaptured":true,"affordability":1179.08,"xdsCreditScore":479,"accountsInArrears":4,"totalMonthlyIncome":7350.68,"currentMonthlyInstalments":22956,"totalOutstandingDebt":211296,"totalAmountInArrears":52309,"activeAccounts":16,"loanAmountGranted":600,"loanToAffordabilityRatio":0.5088713234046884,"instalmentToIncomeRatio":3.122976377695669,"debtToIncomeRatio":28.74509569182715,"arrearsToIncomeRatio":7.116212377630369,"statementTamperConfirmed":false,"avsFailed":false,"amlPepSanctionsStrongHit":false,"bettingLotterySpend":81374,"transferOutflow":95801.56},"reasonSummary":{"hardStopCount":0,"highRiskCount":5,"moderateRiskCount":2},"reasonCodes":{"hardStops":[],"highRisk":[{"code":"HIGH_LOAN_TO_AFFORDABILITY","message":"Loan amount consumes a high share of affordability.","value":0.509,"threshold":0.293},{"code":"HIGH_INSTALMENT_TO_INCOME","message":"Existing instalments are high relative to income.","value":3.123,"threshold":2.308},{"code":"HIGH_DEBT_TO_INCOME","message":"Outstanding debt is high relative to income.","value":28.745,"threshold":5.472},{"code":"HIGH_ARREARS_TO_INCOME","message":"Arrears balance is high relative to income.","value":7.116,"threshold":3.058},{"code":"ACCOUNTS_IN_ARREARS","message":"One or more accounts are in arrears.","value":4,"threshold":"> 0"}],"moderateRisk":[{"code":"HIGH_ACTIVE_ACCOUNTS","message":"Active accounts are high relative to the supplied dataset.","value":16,"threshold":14},{"code":"LOW_XDS_RELATIVE_TO_SUPPLIED_DATA","message":"XDS score is at or below the lower quartile of supplied data.","value":479,"threshold":529}]},"productionNotes":["Proof thresholds must be confirmed or recalibrated before production use.","Risk Seal Score is excluded until its direction and interpretation are confirmed.","A trained ML model should only be introduced after enough labelled repayment outcomes exist."]}}