Synthetic demo data · how real data plugs in →

Model & Weights

Explainable by construction, validated by ML. Every point of every score traces to a visible weight below.

Discrimination — scorecard vs challenger

Scorecard · AUC

0.807

Challenger · AUC

0.919

Scorecard · KS

0.481

Challenger · KS

0.657

PSI 0.005 (stable < 0.1)

Challenger SHAP — global drivers

Timely GST filings

0.63

Healthy inflow-to-outflow ratio

0.24

Strong post-obligation surplus

0.17

Consistent GST filing

0.17

Established operating vintage

0.15

Low EMI burden vs. inflows

0.13

Comfortable balance vs. EMI

0.13

Growing turnover

0.11

Stable monthly cash flows

0.11

Rising power consumption (activity)

0.10

Regular EPFO contributions

0.10

Growing UPI volume

0.08

Utility bills paid on time

0.07

Few payment bounces

0.04

Segment calibration — one unified scorecard, monitored per segment

A single explainable scorecard, reported per business segment. The model ranks segments correctly (base default rate falls as mean score rises); on real data, decision bands recalibrate per segment without a black-box per-segment model. Figures are the complete-data view of the scorecard; a thin-file applicant is additionally coverage-adjusted at serving (see any new-to-credit card).

Segment	n	Base default	Mean score	Approve rate
thriving retailer	1250	12.9%	546	99.6%
seasonal trader	1250	37.0%	504	43.7%
ntc startup	1250	44.2%	494	36.0%
stressed manufacturer	1250	71.2%	461	0.7%

Scorecard weights — every bin, WOE, coefficient & points

Feature	Dimension	Bin	WOE	Coef	Points
net_inflow_ratio	Cash Flow Health	net_inflow_ratio [-inf, 1.107)	1.507	-0.258	-11.2
net_inflow_ratio	Cash Flow Health	net_inflow_ratio [1.107, 1.167)	0.599	-0.258	-4.5
net_inflow_ratio	Cash Flow Health	net_inflow_ratio [1.167, 1.29)	-0.431	-0.258	3.2
net_inflow_ratio	Cash Flow Health	net_inflow_ratio [1.29, 1.379)	-1.408	-0.258	10.5
net_inflow_ratio	Cash Flow Health	net_inflow_ratio [1.379, inf)	-2.032	-0.258	15.2
cashflow_cov	Cash Flow Health	cashflow_cov [-inf, 0.077)	-1.342	-0.041	1.6
cashflow_cov	Cash Flow Health	cashflow_cov [0.077, 0.105)	-1.784	-0.041	2.1
cashflow_cov	Cash Flow Health	cashflow_cov [0.105, 0.119)	-1.076	-0.041	1.3
cashflow_cov	Cash Flow Health	cashflow_cov [0.119, 0.159)	0.100	-0.041	-0.1
cashflow_cov	Cash Flow Health	cashflow_cov [0.159, inf)	0.375	-0.041	-0.4
surplus_ratio	Repayment Capacity	surplus_ratio [-inf, -0.083)	1.664	-0.034	-1.6
surplus_ratio	Repayment Capacity	surplus_ratio [-0.083, 0.039)	0.723	-0.034	-0.7
surplus_ratio	Repayment Capacity	surplus_ratio [0.039, 0.099)	-0.143	-0.034	0.1
surplus_ratio	Repayment Capacity	surplus_ratio [0.099, 0.168)	-0.940	-0.034	0.9
surplus_ratio	Repayment Capacity	surplus_ratio [0.168, inf)	-1.777	-0.034	1.7
balance_to_emi	Repayment Capacity	balance_to_emi [-inf, 1.57)	1.534	-0.041	-1.8
balance_to_emi	Repayment Capacity	balance_to_emi [1.57, 2.304)	0.465	-0.041	-0.6
balance_to_emi	Repayment Capacity	balance_to_emi [2.304, 3.217)	-0.174	-0.041	0.2
balance_to_emi	Repayment Capacity	balance_to_emi [3.217, 4.73)	-0.786	-0.041	0.9
balance_to_emi	Repayment Capacity	balance_to_emi [4.73, inf)	-1.489	-0.041	1.8
months_active	Stability & Vintage	months_active [-inf, 22.5)	1.461	-0.127	-5.3
months_active	Stability & Vintage	months_active [22.5, 27.5)	0.906	-0.127	-3.3
months_active	Stability & Vintage	months_active [27.5, 34.5)	0.295	-0.127	-1.1
months_active	Stability & Vintage	months_active [34.5, 42.5)	-0.507	-0.127	1.9
months_active	Stability & Vintage	months_active [42.5, inf)	-1.408	-0.127	5.1
epfo_regularity	Stability & Vintage	epfo_regularity [-inf, 0.208)	1.796	-0.122	-6.3
epfo_regularity	Stability & Vintage	epfo_regularity [0.208, 0.458)	0.828	-0.122	-2.9
epfo_regularity	Stability & Vintage	epfo_regularity [0.458, 0.625)	-0.132	-0.122	0.5
epfo_regularity	Stability & Vintage	epfo_regularity [0.625, 0.708)	-0.835	-0.122	2.9
epfo_regularity	Stability & Vintage	epfo_regularity [0.708, inf)	-1.403	-0.122	4.9
gst_filing_delay	Compliance	gst_filing_delay [-inf, 13.792)	-1.777	-0.388	19.9
gst_filing_delay	Compliance	gst_filing_delay [13.792, 24.375)	-0.662	-0.388	7.4
gst_filing_delay	Compliance	gst_filing_delay [24.375, 32.625)	0.561	-0.388	-6.3
gst_filing_delay	Compliance	gst_filing_delay [32.625, 40.042)	1.403	-0.388	-15.7
gst_filing_delay	Compliance	gst_filing_delay [40.042, inf)	2.260	-0.388	-25.3
gst_filing_regularity	Compliance	gst_filing_regularity [-inf, 0.292)	1.488	-0.188	-8.1
gst_filing_regularity	Compliance	gst_filing_regularity [0.292, 0.458)	0.718	-0.188	-3.9
gst_filing_regularity	Compliance	gst_filing_regularity [0.458, 0.542)	0.084	-0.188	-0.5
gst_filing_regularity	Compliance	gst_filing_regularity [0.542, 0.708)	-0.491	-0.188	2.7
gst_filing_regularity	Compliance	gst_filing_regularity [0.708, inf)	-1.579	-0.188	8.6
emi_burden	Leverage	emi_burden [-inf, 0.061)	-1.623	-0.018	0.8
emi_burden	Leverage	emi_burden [0.061, 0.086)	-0.564	-0.018	0.3
emi_burden	Leverage	emi_burden [0.086, 0.112)	-0.017	-0.018	0.0
emi_burden	Leverage	emi_burden [0.112, 0.155)	0.479	-0.018	-0.2
emi_burden	Leverage	emi_burden [0.155, inf)	1.203	-0.018	-0.6
bounce_count	Leverage	bounce_count [-inf, 1.5)	-1.193	0.047	-1.6
bounce_count	Leverage	bounce_count [1.5, 2.5)	-0.430	0.047	-0.6
bounce_count	Leverage	bounce_count [2.5, 3.5)	0.099	0.047	0.1
bounce_count	Leverage	bounce_count [3.5, 4.5)	0.608	0.047	0.8
bounce_count	Leverage	bounce_count [4.5, inf)	1.141	0.047	1.5
turnover_trend	Growth Momentum	turnover_trend [-inf, -0.07)	-0.146	-0.035	0.1
turnover_trend	Growth Momentum	turnover_trend [-0.07, -0.043)	1.033	-0.035	-1.0
turnover_trend	Growth Momentum	turnover_trend [-0.043, -0.03)	0.550	-0.035	-0.6
turnover_trend	Growth Momentum	turnover_trend [-0.03, -0.015)	-0.124	-0.035	0.1
turnover_trend	Growth Momentum	turnover_trend [-0.015, inf)	-1.510	-0.035	1.5
upi_volume_trend	Growth Momentum	upi_volume_trend [-inf, -0.076)	-0.152	-0.034	0.1
upi_volume_trend	Growth Momentum	upi_volume_trend [-0.076, -0.029)	0.706	-0.034	-0.7
upi_volume_trend	Growth Momentum	upi_volume_trend [-0.029, -0.019)	0.053	-0.034	-0.1
upi_volume_trend	Growth Momentum	upi_volume_trend [-0.019, -0.008)	-0.926	-0.034	0.9
upi_volume_trend	Growth Momentum	upi_volume_trend [-0.008, inf)	-1.608	-0.034	1.6
utility_consumption_trend	Operational Footprint	utility_consumption_trend [-inf, -0.047)	0.054	0.066	0.1
utility_consumption_trend	Operational Footprint	utility_consumption_trend [-0.047, -0.024)	0.754	0.066	1.4
utility_consumption_trend	Operational Footprint	utility_consumption_trend [-0.024, -0.016)	0.158	0.066	0.3
utility_consumption_trend	Operational Footprint	utility_consumption_trend [-0.016, -0.005)	-0.432	0.066	-0.8
utility_consumption_trend	Operational Footprint	utility_consumption_trend [-0.005, inf)	-1.492	0.066	-2.9
utility_payment_regularity	Operational Footprint	utility_payment_regularity [-inf, 0.208)	1.670	-0.043	-2.1
utility_payment_regularity	Operational Footprint	utility_payment_regularity [0.208, 0.458)	0.832	-0.043	-1.0
utility_payment_regularity	Operational Footprint	utility_payment_regularity [0.458, 0.625)	-0.178	-0.043	0.2
utility_payment_regularity	Operational Footprint	utility_payment_regularity [0.625, 0.792)	-0.891	-0.043	1.1
utility_payment_regularity	Operational Footprint	utility_payment_regularity [0.792, inf)	-1.580	-0.043	2.0