Evaluating borrowers' creditworthiness is crucial for informed lending decisions. The Adjutor platform offers a reliable and efficient way to validate creditworthiness via the Oraculi Borrower Scoring endpoint.


Prerequisites 

  1. Modifying or creating a Decision Model:

Use the Lendsqr admin console to modify or create a decision model.

Refer to Modifying a Decision Module for reference on how to modify a decision model.


  1. Include a Scoring Module:

To enable user scoring, add a scoring module to the decision model settings by including the following JSON configuration:

 

"scoring": {

   "required": true,

   "sequence": 4,

   "continue_on_failure": false

}

               Obtaining the decision model id from decision model settings


  1. User data to be scored is available.

Ensure the user's data and the amount they are being scored against are included in the request document. User data necessary for attaining accuracy in scoring a user can be seen on the table below:

Property

Type

Examples

gender

string

male, female

marital_status

string

married, single, divorced, separated, widowed

age

integer

25, 37

location

string

Lagos, Ibadan

no_of_dependent

integer

0, 5

type_of_residence

string

own house, rented apartment, parents apartment

education_attainment

string

MSc and above, BSc, HND and Other Equivalent, Diploma/School Cert, Others

employment_status

string

employed, self employed, unemployed, retired

sector_of_employment

string

agriculture, banking, education, law

tier

string

tier 1. tier 2

monthly_net_income

string

700,000 -999,999, above 1,000,000,

employment_category

string

artisan, enterprise, private company, federal: public

bvn

string

22222222222

phone_number

string

0805555555

working_period

integer

1

time_with_current_employer

integer

1

previous_lendsqr_loans

integer

1

code

string

56etruu

phone

string

08106666666

bvn_phone

string

08106666666

official_email

string

male@female.com

personal_email

string

male@female.com

amount

string

5000


Scoring On a user on Oraculi Borrower Scoring 

  1. Obtain the Decision Model ID for the scoring model and use it as a path parameter in the Oraculi Borrower Scoring endpoint.


Obtaining the decision model id from decision model settings. 

2.    Create an app on the Adjutor web applications, ticking all the validation scopes and retrieve your API. 


  1. Make a POST request with the user's details in the request body. Refer to the Adjutor API references for The Oraculi Browser Scoring endpoint.

Adjutor API Service


JamDev: 

How to create a scoring model and retrieve its decision model Id


Read more about how you can retrieve your API key >> 

Creating an App on Adjutor and Retrieving API Keys


Read more about Decision Modules>> 

What are Decision Models?