{
  "$schema": "https://aigovernanceengineer.com/schemas/deployment-decision-record.v1.json",
  "decision_id": "ddr-credit-afford-03-es-pt",
  "subject": "credit-afford-03@3.2.0",
  "provider": "team-retail-credit-models (internal)",
  "deployment_context": {
    "business_process": "Consumer loan origination, branch and online channels",
    "users": [
      "credit analysts"
    ],
    "affected_persons": [
      "consumer loan applicants"
    ],
    "jurisdictions": [
      "ES",
      "PT"
    ],
    "period_and_frequency": "Continuous, about 1,500 applications a day"
  },
  "role_assessment": {
    "becomes_provider": false,
    "rationale": "The deploying unit uses the system as supplied by the internal provider team, unmodified."
  },
  "duties": {
    "instructions_for_use": {
      "document": "https://evidence.example.org/ifu/credit-afford-03/3.2.0",
      "gaps": []
    },
    "oversight": {
      "roles": [
        "credit analysts",
        "credit team leads"
      ],
      "training_records": [
        "tr-2026-0311",
        "tr-2026-0312"
      ]
    },
    "input_data": "Inputs come only from the origination schema v12; a schema check rejects any other field.",
    "monitoring": {
      "plan": "Operations dashboard on the provider PMM metrics, reviewed weekly.",
      "suspension_criteria": [
        "fairness ratio below 0.80 for two weeks",
        "provider notice of a serious incident"
      ]
    },
    "log_retention_days": 3650,
    "workers_informed": {
      "required": false
    },
    "affected_persons_informed": {
      "required": true,
      "method": "Notice in the application journey and in the decision letter."
    },
    "fria": {
      "required": true,
      "assessment_id": "fria-2026-004"
    },
    "dpia": {
      "required": true,
      "assessment_id": "dpia-2026-011"
    },
    "eu_database_registration": {
      "required": false
    }
  },
  "performance_requirements": [
    "approval-rate ratio across age bands at or above 0.80"
  ],
  "decision": "deploy_with_conditions",
  "conditions": [
    "canary on 10% of applications for four weeks"
  ],
  "decided_by": "head-of-retail-credit",
  "decided_at": "2026-08-21",
  "review_by": "2027-08-21"
}