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Step 12 of 15 · Decision Models · topic 2 of 3

How it works

How do Decision Models work?

Bring the model

Use a PMML model or a scoring service. CreditTailor provides sixteen credit-model families with versioned inputs and model cards.

Match the inputs

Choose which form fields feed which model inputs.

Use the result

Show the score on the screen and let a decision step route the case on it.

Keep it explainable

Show the inputs that drove each result next to the score.

Sixteen model families, six in the loan exampleModel cards on four shelves — origination, management, collections and portfolio. Six are highlighted as used in the loan example: application risk, financial distress, exposure and schedule, profitability, expected loss and risk-adjusted return.OriginationM01ApplicationriskM02FinancialdistressM07Exposure &scheduleM09ProfitabilityManagementM03BehaviouralriskM04StatetransitionsM10Macro-sensitivePDM11RiskmigrationCollectionsM05Cure &redefaultM06Loss givendefaultM08DefaulttimingPortfolioM12Expected lossM13PortfoliocapitalM14Risk-adj.returnM15StresscapacityM16UncertaintyUsed in the loan example
Sixteen model cards on shelves by lifecycle — origination, management, collections, portfolio.
Form answers go in, the score picks the routeTwo form values — cash ratio 1.2 and a 48-month term — feed the M01 model, which returns a 0.7 percent probability; the decision step switches the case onto the Continue track.Cash ratio1.2Term48 monthsM01 · PMML modelProbability0.7%ContinueReferRejectForm fields feed the model; the decision step picks the track from the score. Example model and values.
Form fields as coloured beads dropping into a model; a probability comes out and the workflow switches track.
Compare pricing options by their net present valueTwo pricing options drawn as income bars above cost and expected-loss bars; option A has a net present value of 1,42,300 rupees and option B 1,18,900 rupees; example values.Option A · 13.5%IncomeCosts and lossNet present value₹1,42,300Option B · 12.75%IncomeCosts and lossNet present value₹1,18,900Example values · the NPV difference is shown under stated assumptions, with no automatic recommendation
Two pricing options as stacked cash-flow bars with their totals.
Example · Customer Loan Origination

The loan example uses repayment risk at the in-principle decision, financial distress in credit assessment, and profitability, schedule and expected loss at sanction. The example models are fitted on synthetic or public data and are not qualified for real lending decisions.

See the full loan example

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Updated 30 September 2026