Decision Matrices for Digital Lending—India
To automate certain decision-making processes in the loan origination lifecycle, set up decision matrices and reference them from an expression set.
Required Editions
| Available in: Lightning Experience |
| Available in: Professional, Enterprise, and Unlimited Editions |
You must set up these decision matrices for Digital Lending—India.
| Decision Matrix Name | Purpose of Decision Matrix | Called By Expression Sets | Purposeof Expression Sets |
|---|---|---|---|
| Credit Score Category | This decision matrix is used to categorise the credit score. It takes the input as CreditScore (number) and gives the output CreditScoreCategory (text). | Determine Secured Loan Maximum Eligible Amount |
To determine: • The risk category of a party profile • The maximum eligible amount for a secured loan • The maximum eligible amount for an unsecured loan • The offer rates and offer validity dates for a loan |
| Risk Category | This decision matrix categorises the risk of an applicant and it’s related party profile. It takes the inputs as EmploymentIndustry (text), EmploymentType(text), CreditScoreCategoryResult (text) and AnnualIncomeCategoryResult (text) and gives output as RiskCategory (text). | Risk Category Assessment | To determine: • The risk category of a party profile |
| Requested Term Category | This decision matrix categorises the requested term. It takes the input as RequestedTerm (number) and gives the output RequestedTermCategory (text). | Determine Secured Loan Maximum Eligible Amount |
To determine: • The maximum eligible amount for a secured loan • The maximum eligible amount for an unsecured loan • The offer rates and offer validity dates for a loan |
| Requested Amount Category | This decision matrix categorises the requested amount. It takes the input as RequestedAmount (number) and gives the output RequestedAmountCategory (text). | Loan Offer Rate | To determine: • The offer rates and offer validity dates for a loan |
| Annual Income Category | This decision matrix categorises annual income. It takes input as AnnualIncome (number) and gives the output AnnualIncomeCategory (text). | Determine Secured Loan Maximum Eligible Amount |
To determine: • The maximum eligible amount for a secured loan • The maximum eligible amount for an unsecured loan • The offer rates and offer validity dates for a loan |
| Age Category | This decision matrix is used to categorise the age. It takes the input as Age (number) and gives the output AgeGroup (text). | Determine Secured Loan Maximum Eligible Amount |
To determine: • The maximum eligible amount for a secured loan • The maximum eligible amount for an unsecured loan • The offer rates and offer validity dates for a loan |
| Secured Loan Eligibility Amount | This decision matrix determines the maximum eligible amount for a secured loan. It takes the inputs as CreditScoreCategory (text), RequestedTermCategory (text), AnnualIncomeType (text), RiskCategory (text), AgeCategory (text), EmploymentType (text), LoanType (text), PinCode (number), ProductName (text), TotalDebtToIncomePercentageCategory (text), TotalIncomeToExpenseRatioCategory (text), TotalLoanToValuePercentageCategory (text), TotalCollateralValueCategory (text), and DisposableIncomeCategory (text) and gives the output MaximumEligibleAmount (currency). | Determine Secured Loan Maximum Eligible Amount | To determine: • The maximum eligible amount for a secured loan |
| Unsecured Loan Eligibility Amount | This decision matrix determines the maximum eligible amount for an unsecured loan. It takes the inputs CreditScoreCategory (text), RequestedTermCategory (text), AnnualIncomeCategory (text), RiskCategory (text), AgeCategory (text), EmploymentType (text), LoanType (text), PinCode (number), ProductName (text),DisposableIncomeCategory (text), TotalIncomeToExpenseRatioCategory (text), and TotaldebtToIncomePercentageCategory (text) and gives the output MaximumEligibleAmount (currency). | Determine Unsecured Loan Maximum Eligible Amount | To determine: • The maximum eligible amount for an unsecured loan |
| Loan Offer Rate | This decision matrix determines the offer rates for a loan. It takes the inputs AnnualIncomeCategory (text), RiskCategory (text), LoanType (text), RequestedTermCategory (text), PinCode (number), PartyScreeningSummaryResult (text), AgeGroup (text), and RequestedAmountCategory (text) and gives the outputs Rate (percent), RateType (text), ValidStartDate (text), and ValidEndDate (text). | Loan Offer Rate | To determine: • The offer rates for a loan |
