{"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,"affordabilityBufferRatio":0.16040420750189097,"postLoanCashBuffer":579.0799999999999,"recurringCommitmentRatio":3.122976377695669,"highRiskSpendRatio":11.070268328916509,"transferOutflowRatio":13.033020074333258,"statementTamperConfirmed":false,"avsFailed":false,"amlPepSanctionsStrongHit":false,"bettingLotterySpend":81374,"transferOutflow":95801.56},"reasonSummary":{"hardStopCount":0,"highRiskCount":7,"moderateRiskCount":3},"reasonCodes":{"hardStops":[],"highRisk":[{"code":"RECURRING_COMMITMENT_PRESSURE","message":"Recurring instalments consume a high share of verified monthly income.","value":3.123,"threshold":0.55},{"code":"HIGH_RISK_DISCRETIONARY_SPEND","message":"Bank statement shows high gambling/lottery or similar discretionary spend relative to income.","value":11.07,"threshold":0.15},{"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_TRANSFER_OUTFLOW_PRESSURE","message":"Large transfers/outflows may indicate cash movement or obligations not visible from declared expenses alone.","value":13.033,"threshold":3},{"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}]},"riskMatrix":[{"group":"Eligibility","signal":"Age and consent","source":"Application intake","finding":"Consent captured and age gate passed.","status":"pass","decisionUse":"Auto-decline hard stops before paid checks."},{"group":"Bank statement affordability","signal":"Verified income and disposable cash","source":"Bank statement income and affordability extraction","finding":"R 1 179 surplus; R 579 after requested loan.","status":"pass","decisionUse":"Auto-approve only when cash buffer remains healthy."},{"group":"Bank statement commitments","signal":"Recurring instalments vs income","source":"Categorised debit orders, instalments and recurring payments","finding":"312% of verified income is already committed.","status":"fail","decisionUse":"Route pressure cases to decline/review before disbursement."},{"group":"Bank statement behaviour","signal":"Arrears and failed-payment pressure","source":"Arrears balances, failed collections and account behaviour","finding":"R 52 309 arrears across 4 account(s).","status":"fail","decisionUse":"Measure willingness-to-pay risk from actual account behaviour."},{"group":"Bank statement behaviour","signal":"High-risk discretionary spend","source":"Categorised gambling/lottery and similar transactions","finding":"1107% of monthly income is high-risk discretionary spend.","status":"fail","decisionUse":"Identify behavioural risk that a bureau score may miss."},{"group":"Bank statement behaviour","signal":"Transfer and cash-out pressure","source":"Large transfers, cash movement and unexplained outflows","finding":"1303% of income moved through transfers/outflows.","status":"watch","decisionUse":"Flag hidden obligations or cash-flow leakage for review."},{"group":"Bureau and obligations","signal":"Debt load, active accounts and bureau score","source":"Credit bureau plus supplied account records","finding":"2875% debt-to-income; XDS score 479.","status":"fail","decisionUse":"Combine bureau history with live cash-flow evidence."},{"group":"Fraud and compliance","signal":"Statement integrity, AVS and AML/PEP","source":"Vendor checks and compliance responses","finding":"No confirmed hard-stop fraud/compliance result in this sample.","status":"pass","decisionUse":"Auto-decline confirmed hard stops; review unresolved ownership signals."}],"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."]}}