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

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.
Include a Scoring Module:
Next, to enable user scoring, include a scoring module within the decision model settings.You can do this by setting “Required” to true as seen below or by adding the following JSON configuration:
"scoring": { "required": true, "sequece": 4, "continue_on_failure": false }

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	Description
Product ID	integer	Unique identifier for the loan product. Used to determine the product configuration and required attributes.
Attributes	object	A dynamic object containing lender-defined attributes required to evaluate a loan request. The structure of this object is configurable per loan product and may include fields such as personal information, employment details, income data, identification information, and loan-specific parameters. The exact fields required depend on the lender’s configuration and regional compliance requirements.

Request payload sample

{
  "productId": "324123",
  "attributes": {
    "age": 37,
    "employment_status": "employed",
    "monthly_net_income": "1000000+",
    "location": "City A",
    "loan_amount": "5000"
  }
}