Live website: English / Tiếng Việt
Interactive website with English and Vietnamese views. The live project is the recommended starting point.
This project translates probability-of-default and cutoff evidence into controlled credit policy rules, impact simulation, business requirements, UAT/SIT, release controls, rollback and post-implementation monitoring.
- 1.292 million scored matured accounts assessed.
- 14.64% approved bad rate under the controlled candidate policy.
- 49.96% lower auto-approved routed EL versus baseline.
- 64.07% of historical bad accounts captured outside straight-through approval.
- 88/88 implementation and validation checks passed.
- Baseline, candidate, sensitivity and segment-overlay policy scenarios.
- Rule priority, exact cutoff boundaries and exception handling.
- Approval, bad-rate, bad-capture, expected-loss and workload impacts.
- Business requirements and end-to-end metric traceability.
- UAT/SIT cases, evidence ownership and release readiness.
- Rollback triggers, incident handling and post-release monitoring.
- Project overview
- Start with the packaged review page
- Executive summary
- Policy recommendation
- Validation summary
- Limitations
- Artifact index
Policy impact is a historical accepted/booked-account backtest. This is a policy-routing simulation result, not a realised portfolio-loss reduction. It does not represent a real loan-origination-system implementation or a complete applicant-level approval simulation because rejected applicants do not have observed repayment outcomes.
- Nguyen Pham Khoi Nguyen
- Phone: 0865385817
- Email: nguyen28052005@gmail.com