Evaluate customer creditworthiness using Adjutor’s Oraculi Borrower Scoring.

Evaluating borrowers’ creditworthiness is crucial for informed lending decisions. The Adjutor platform offers a reliable and efficient way to validate creditworthiness via the Oraculi Borrower Scoring endpoint.

Prerequisites 

1. Modifying or creating a Decision Model:
   Use the Lendsqr admin console to modify or create a decision model.
   Refer to Modifying a Decision Module for reference on how to modify a decision model.
2. Include a Scoring Module:
   Next, to enable user scoring, include a scoring module within the decision model settings.You can do this by adding the following JSON configuration:
   "scoring": { "required": true, "sequence": 4, "continue_on_failure": false }

               Obtaining the decision model id from decision model settings

3. Ensure the data for the scoring user is available:
   Ensure the user’s data and the amount they are being scored against are included in the request document. User data necessary for attaining accuracy in scoring a user can be seen on the table below:

Property	Type	Examples
gender	string	male, female
marital_status	string	married, single, divorced, separated, widowed
age	integer	25, 37
location	string	Lagos, Ibadan
no_of_dependent	integer	0, 5
type_of_residence	string	own house, rented apartment, parents apartment
education_attainment	string	MSc and above, BSc, HND and Other Equivalent, Diploma/School Cert, Others
employment_status	string	employed, self employed, unemployed, retired
sector_of_employment	string	agriculture, banking, education, law
tier	string	tier 1. tier 2
monthly_net_income	string	700,000 -999,999, above 1,000,000,
employment_category	string	artisan, enterprise, private company, federal: public
bvn	string	22222222222
phone_number	string	0805555555
working_period	integer	1
time_with_current_employer	integer	1
previous_lendsqr_loans	integer	1
code	string	56etruu
phone	string	08106666666
bvn_phone	string	08106666666
official_email	string	male@female.com
personal_email	string	male@female.com
amount	string	5000

Scoring on a user on Oraculi borrower scoring 

1. Obtain the Decision Model ID for the scoring model and use it as a path parameter in the Oraculi Borrower Scoring endpoint.

Obtaining the decision model id from decision model settings.

2. Create an app on the Adjutor web application, ticking all the validation scopes and retrieve your API

3. Make a POST request with the user’s details in the request body. Refer to the Adjutor API references for The Oraculi Browser Scoring endpoint.​

Read further: Adjutor your critical support for making better credit decisions