Loan Scoring Workflow - Visual Guide¶
Workflow Diagram¶
┌─────────────────────────────────────────────────────────────┐
│ START LOAN SCORING WORKFLOW │
└──────────────────┬──────────────────────────────────────────┘
│
▼
┌──────────────────────┐
│ STEP 1: SEARCH │
│ CUSTOMER │
└──────────┬───────────┘
│
┌──────────┴──────────┐
│ │
Customer Customer
Found ✓ Not Found ✗
│ │
│ ┌──────▼──────┐
│ │ ERROR: │
│ │ Try Again │
│ └─────────────┘
│
▼
┌─────────────────────┐
│ Check Blacklist │
└──────────┬──────────┘
│
┌─────────┴──────────┐
│ │
Not Yes
Blacklisted Blacklisted
│ │
│ ┌───────▼──────┐
│ │ ERROR: │
│ │ Blacklisted │
│ └──────────────┘
│
▼
┌──────────────────────────┐
│ STEP 2: SELECT PRODUCT │
│ - Show product list │
│ - Display details │
│ - Get selection │
└──────────┬───────────────┘
│
▼
┌─────────────────┐
│ Product Valid? │
└────┬────────┬───┘
│ │
Yes No
│ │
│ ┌────▼─────┐
│ │ ERROR: │
│ │ Not Found │
│ └──────────┘
│
▼
┌──────────────────────┐
│ STEP 3: ENTER AMOUNT │
│ - Get amount input │
│ - Validate range │
└──────────┬───────────┘
│
▼
┌──────────────────┐
│ Amount in range? │
└────┬────────┬────┘
│ │
Yes No
│ │
│ ┌─────▼──────┐
│ │ ERROR: │
│ │ Out of Range│
│ └────────────┘
│
▼
┌──────────────────────┐
│ STEP 4: CALCULATE │
│ LOAN SCORE │
│ │
│ - Run scoring engine │
│ - Get risk level │
│ - Generate rec. │
└──────────┬───────────┘
│
▼
┌──────────────────────┐
│ SCORING RESULTS │
│ │
│ Score: 750 │
│ Risk: LOW │
│ Rec: APPROVED ✓ │
└──────────┬───────────┘
│
▼
┌──────────────────────┐
│ WORKFLOW COMPLETE │
└──────────────────────┘
Scoring Algorithm Flow¶
┌─────────────────────────────┐
│ Customer ID + Product + │
│ Loan Amount │
└────────────┬────────────────┘
│
▼
┌────────────────────────┐
│ LoanScoringService. │
│ calculate_internal_score
└────────┬───────────────┘
│
▼
┌────────────────────────────────┐
│ Calculate Score Components: │
│ │
│ 1. Repayment History (40%) │
│ - Loan status history │
│ - On-time payment rate │
│ │
│ 2. Exposure (25%) │
│ - Total loan exposure │
│ - Debt-to-income ratio │
│ │
│ 3. Income Stability (20%) │
│ - Income verification │
│ - Income consistency │
│ │
│ 4. Behavioral (15%) │
│ - Account age │
│ - Transaction patterns │
└────────┬───────────────────────┘
│
▼
┌────────────────────────┐
│ Final Score: 0-1000 │
└────────┬───────────────┘
│
▼
┌────────────────────────┐
│ Determine Risk Level │
│ │
│ 700-1000: LOW ✓ │
│ 500-699: MEDIUM ⚠ │
│ 0-499: HIGH ✗ │
└────────┬───────────────┘
│
▼
┌────────────────────────┐
│ Recommendation: │
│ │
│ LOW→ APPROVED │
│ MED→ REVIEW │
│ HIGH→ REJECT │
└────────┬───────────────┘
│
▼
┌────────────────────────┐
│ Store in LoanScoreLog │
│ Return to User │
└────────────────────────┘
Conversation Flow Example¶
╔════════════════════════════════════════════════════════╗
║ AI AGENT CHAT INTERFACE ║
╚════════════════════════════════════════════════════════╝
┌─ USER INPUT ────────────────────────────────────────────┐
│ "I want to do loan scoring for customer 123" │
└─────────────────────────────────────────────────────────┘
▼ (triggers tool call)
┌─ AI AGENT ──────────────────────────────────────────────┐
│ Calling: start_loan_scoring_workflow │
│ Parameters: step="search_customer" │
│ customer_id=123 │
└─────────────────────────────────────────────────────────┘
▼ (Step 1 completes)
┌─ SYSTEM RESPONSE ───────────────────────────────────────┐
│ ✓ Customer found: John Doe │
│ Next: Select a loan product │
│ Prompt: "Which product would they like?" │
└─────────────────────────────────────────────────────────┘
┌─ USER INPUT ────────────────────────────────────────────┐
│ "Use product 5" │
└─────────────────────────────────────────────────────────┘
▼ (Step 2 trigger)
┌─ AI AGENT ──────────────────────────────────────────────┐
│ Calling: start_loan_scoring_workflow │
│ Parameters: step="select_product" │
│ customer_id=123, product_id=5 │
└─────────────────────────────────────────────────────────┘
▼ (Step 2 completes)
┌─ SYSTEM RESPONSE ───────────────────────────────────────┐
│ ✓ Product: Personal Loan │
│ Interest Rate: 12% │
│ Min: 10,000 | Max: 500,000 │
│ Next: Enter requested amount │
│ Prompt: "How much does customer want to borrow?" │
└─────────────────────────────────────────────────────────┘
┌─ USER INPUT ────────────────────────────────────────────┐
│ "50000" │
└─────────────────────────────────────────────────────────┘
▼ (Step 3 trigger)
┌─ AI AGENT ──────────────────────────────────────────────┐
│ Calling: start_loan_scoring_workflow │
│ Parameters: step="enter_amount" │
│ customer_id=123, product_id=5, │
│ loan_amount=50000 │
└─────────────────────────────────────────────────────────┘
▼ (Step 3 validates amount)
┌─ SYSTEM RESPONSE ───────────────────────────────────────┐
│ ✓ Amount: 50,000 (within limits) │
│ Next: Calculate loan score │
│ Prompt: "Ready to calculate the score" │
└─────────────────────────────────────────────────────────┘
┌─ USER INPUT ────────────────────────────────────────────┐
│ "Yes, calculate" │
└─────────────────────────────────────────────────────────┘
▼ (Step 4 trigger - SCORING)
┌─ AI AGENT ──────────────────────────────────────────────┐
│ Calling: start_loan_scoring_workflow │
│ Parameters: step="calculate_score" │
│ customer_id=123, product_id=5, │
│ loan_amount=50000 │
└─────────────────────────────────────────────────────────┘
▼ (Scoring engine runs, ~300-500ms)
┌─ FINAL RESULTS ─────────────────────────────────────────┐
│ │
│ LOAN SCORING RESULTS │
│ ═══════════════════════════════════════════ │
│ │
│ Customer: John Doe (ID: 123) │
│ Product: Personal Loan │
│ Amount: 50,000 │
│ │
│ ➜ SCORE: 750/1000 │
│ ➜ RISK LEVEL: LOW │
│ ➜ RECOMMENDATION: APPROVED ✓ │
│ │
│ Score Breakdown: │
│ • Repayment History: 85% │
│ • Exposure: 75% │
│ • Income Stability: 70% │
│ • Behavioral Score: 80% │
│ │
│ ═══════════════════════════════════════════ │
│ │
└─────────────────────────────────────────────────────────┘
▼
┌─ WORKFLOW COMPLETE ─────────────────────────────────────┐
│ Loan scoring workflow finished successfully │
│ Score logged to customer history │
│ │
│ Next Steps: │
│ • Review recommendation │
│ • If approved: Proceed with application │
│ • If review: Request additional documents │
│ • If reject: Inform customer │
└─────────────────────────────────────────────────────────┘
Decision Tree¶
START
│
▼
Customer ID?
/ \
No Yes
│ │
PROMPT Verify Customer
/ \
Exists? Not Found
/ \ │
Yes No Return Error
│ │
Check Prompt
Blacklist Again
/ \
No Yes
│ │
Continue Return Error
│
▼
Select Product?
/ \
No Yes
│ │
PROMPT Validate Product
/ \
Valid Not Found
│ │
Continue Return Error
│
▼
Enter Amount?
/ \
No Yes
│ │
PROMPT Validate Range
/ \
Valid Out of Range
│ │
Continue Return Error
│
▼
Calculate Score
│
▼
Return Score + Risk + Rec
│
▼
END
Error Scenarios Map¶
START
│
├─→ Customer ID Missing → PROMPT FOR ID
│
├─→ Customer Not Found → PROMPT FOR VALID ID
│
├─→ Customer Blacklisted → CANNOT PROCEED (ERROR)
│
├─→ Product ID Missing → PROMPT FOR PRODUCT
│
├─→ Product Not Found → PROMPT FOR VALID PRODUCT
│
├─→ Amount Missing → PROMPT FOR AMOUNT
│
├─→ Amount Too Low → SHOW MIN AND RETRY
│
├─→ Amount Too High → SHOW MAX AND RETRY
│
├─→ Scoring Calculation Error → SUGGEST RETRY/SUPPORT
│
└─→ SUCCESS → RETURN RESULTS
This visual guide helps understand the loan scoring workflow flow, conversation sequence, scoring algorithm, and error handling.