Score override sampling review

Focused review of credit scoring applications where officers overrode the scorecard — rationale quality, approval chains, and repeat patterns.

Purpose

When early arrears cluster in overridden approvals, this engagement reads only those credit scoring applications that left the automated recommendation. We test whether the written rationale matches the evidence and whether the approval chain followed your exception matrix.

Included

• Pull of override-tagged applications for an agreed window
• Rubric scoring of rationale clarity and supporting documents
• Mapping of approver levels against limit bands
• Pattern note (branch, product, officer cohort) without naming individuals in the public summary

Not included

Full-population audits, HR performance appraisals, or changes to your scorecard thresholds.

Next step

Enquire with an approximate override volume so we can propose a fixed sample fee or a short day-rate block.