SaFi Bank Space : FS: Scoring Services

`featurestore_id`	`entity_type_id`	description	`entity_id`
`score_fs`	`loan_score_features`		`customerid`
	`overdraft_score_features`		`customerid`
	`devicefingerprint_score_features`	device fingerprint scorecard	`customerid`

Scoring Service Introduction
Loans Scoring Service
DeviceFingerprint Scoring Service

Scoring Service Introduction

The features here are tied to the various scoring services (e.g. scorecards), that will be used to provide a score and other parameters to be used in other services (e.g. loans product recommendation). In short, for the various scores generated , if it should be used as a feature, then it will be stored in its respective entity_type_id in the score_fs featurestore

Loans Scoring Service

Loans - Integration with risk and product tool

In short, the scoring service consists of 2 separate components:

Scoring Calculation MicroService/Function
1. This function will calculate the score as part of OSP workflow
  1. For instance, it will calculate the devicefingerprint_score based on the devicefingerprint scorecard, and write it to the featurestore
2. Return a response with parameters - See Sample Response below
3. And, write the features to the online FeatureStore
Scoring Reading MicroService/Function
1. Connects to loan_risk_score_fs FeatureStore, when a request is received
2. Reads the FeatureStore and retrieves the latest online features for a given customer ID, or corresponding entity id in the FeatureStore.
  1. For instance, we can retrieve the various scores of a customer and use it for decisioning
3. Returns features from loan_score_features and overdraft_score_features

SAMPLE RESPOSE (DRAFT)

{
  {
    "id": "43e1e733-aaec-4256-89ea-9658b9347cb3",
    "timestamp": "2022-08-11 07:06:24",
    "personal_loan":{
        "grade_score": 59,
        "max_amount": 83809,
        "max_monthly_installment": 64340,
        "max_tenor": 23,
        "recommended_amount": 70000
    },
    "overdraft":{
      "grade_score": 59,
      "max_amount": 2000
    }
  }
}

LOAN SCORE FEATURES - loan_score_features

Response Result	`feature_id`	Type
grade_score	`grade_score`	INT
max_amount	`max_amount`	FLOAT
max_monthly_installment	`max_monthly_installment`	FLOAT
max_tenor	`max_tenor`	INT
recommended_amount

OVERDRAFT SCORE FEATURES - overdraft_score_features

Response Result	Description	`feature_id`	Atomic	Type
grade_score		`grade_score`		INT
max_amount		`max_amount`		FLOAT

DeviceFingerprint Scoring Service

https://safibank.atlassian.net/wiki/spaces/ITArch/pages/129630780

SaFi Bank Space : FS: Scoring Services

Scoring Service Introduction

Loans Scoring Service

DeviceFingerprint Scoring Service

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