RiskCore

7-Domain Risk Model

✓ Cashflows: Salary hits, bounce patterns
✓ Bureau: CIBIL score, delinquency history
✓ KYC: Identity verification, address proof
✓ Device: Fingerprinting, integrity checks
✓ Behavior: Loan shopping, velocity signals
✓ Sector: Employment stability, industry risk
✓ Concentration: Portfolio exposure, guardrails

Conservative Merge Logic

When Dual mode is active, RiskCore executes both Structured and Reasoning engines in parallel, then merges results conservatively:

✓ Score: min(Structured, Reasoning)
✓ Band: Worse of the two (e.g., A vs B → B)
✓ Reasons: Union of both sets
✓ Recommendation: Conservative escalation

Adaptive Engine Routing

RiskCore intelligently selects the best engine(s) based on request constraints:

Structured Engine

→ Schema-locked JSON extraction
→ Strict field validation
→ Fastest execution (typ. 800-1200ms)
→ Best for: High-volume, deterministic scoring

Reasoning Engine

→ Counterfactual reasoning
→ Band smoothing & edge case handling
→ Explainability-first approach
→ Best for: Complex cases, appeals

Dual Mode (Business Critical): Runs both engines, merges conservatively. Adds ~500ms latency but maximizes safety.

flowchart LR A[Bank/CIBIL/KYC/Device] --> B(Feature Builder) B --> C{Adaptive Router} C -->|Structured| D[Structured Engine] C -->|Reasoning| E[Reasoning Engine] C -->|Dual| D C -->|Dual| E D --> F[Merging Logic] E --> F F --> G[Explainable JSON] G --> H[Decision: Approve/Review/Reject]

sequenceDiagram participant DS as Data Science participant API as API Gateway participant Repo as Model Registry participant Router as Router DS->>Repo: Register model vX API->>Router: Request underwriting Router->>Repo: Resolve best model Router-->>API: Route + constraints API-->>Client: Response + trace

CIBIL Score: 720

Salary Hits (6mo): 10

EMI Outflow (INR): 4500

NSF Count: 0

Sector Risk:

Domain Contributions

Risk Score: 725

Band: A

Recommendation: APPROVE

View JSON Output

{
  "score": 725,
  "band": "A",
  "recommendation": "APPROVE",
  "reasons": ["Strong bureau profile", "Stable income"],
  "domains": {
    "bureau": 85,
    "cashflows": 78,
    "behavior": 72
  }
}

MOCK mode uses simulated responses. LIVE connects to localhost:3002.