Credit application file audit
Our flagship financial audit of credit scoring applications — a structured sample of loan or hire-purchase files with findings tied to policy and evidence gaps.
Dev Query Core
Credit files examined before they become costly disputes.
Independent financial audit of credit scoring applications for consumer finance, hire-purchase, and retail lending desks that need clear findings, not slogans.
What lenders ask us to examine
We review credit scoring applications as paper and digital files: identity packs, income evidence, bureau extracts, score overrides, and the officer notes that sit beside an approve or decline decision.
Score override sampling review
Focused review of credit scoring applications where officers overrode the scorecard — rationale quality, approval chains, and repeat patterns.
Inspection readiness walkthrough
A time-boxed walkthrough of credit scoring application files ahead of regulator or head-office inspection, with a punch-list of repairs.
A Bangkok desk for file-level scrutiny
When a portfolio shows rising early delinquencies, or an internal audit flags inconsistent scorecard use, the useful next step is rarely another slide deck. It is a structured reading of the applications themselves.
Dev Query Core works with consumer finance houses, hire-purchase units, and regional bank credit teams who need an independent eye on how scoring applications were completed, escalated, and signed off.
Typical sampling windows cover 60–180 recent applications, with deeper pull for exceptions and high-limit cases.
Follow the engagement stepsFrom recent client notes
Short extracts from lenders who asked us to walk their credit scoring application files line by line.
“They caught missing employer contact verification on nearly a fifth of our motorcycle hire-purchase packs — the kind of gap that only shows when someone opens the folder.”Nattaporn K., Credit Operations, Chiang Mai consumer finance unit
“The sampling memo was clear, though I wished we had booked the override-focused package earlier; our policy exceptions needed more pages than the standard pass covered.”Arthit S., Internal Audit, Bangkok retail lending desk
Field notes
Practical writing on application evidence, score overrides, and what Thai lending desks usually miss before an inspection.
Asset photos that actually support hire-purchase files
What motorcycle and auto application packs need in the photo set so credit scoring applications do not fail on collateral basics.
Inspection week in the file room
A field checklist for the days before a regulator or head-office visit when credit scoring applications must be production-ready.
Override rationales that survive a second reader
A short rubric for judging whether a score override note on a credit scoring application is usable in committee.