{
  "$schema": "https://aigovernanceengineer.com/schemas/test-plan.v1.json",
  "plan_id": "tp-credit-afford-03-3.2",
  "subject": "credit-afford-03@3.2.0",
  "design_record": "dr-credit-afford-03-3.2",
  "scope": "Offline validation on 2025 data and four weeks in shadow mode. Adversarial testing limited to input manipulation, since the model is not exposed to applicants.",
  "categories": [
    "performance",
    "fairness",
    "robustness",
    "explainability",
    "human_oversight",
    "regression"
  ],
  "suites": [
    {
      "suite_id": "auc-holdout-2025.v1",
      "category": "performance",
      "metric": "AUC",
      "threshold": ">= 0.78",
      "direction": "higher_is_better",
      "failure_mode": "unreliable affordability signal",
      "dataset": "loan-apps-2019-2025@2026-04-30",
      "blocking": true
    },
    {
      "suite_id": "fairness-age-bands.v2",
      "category": "fairness",
      "metric": "approval-rate ratio across age bands",
      "threshold": ">= 0.80",
      "direction": "higher_is_better",
      "failure_mode": "indirect age discrimination",
      "requirement": "R2",
      "blocking": true
    },
    {
      "suite_id": "reason-codes.v1",
      "category": "explainability",
      "metric": "share of scores with five reason codes",
      "threshold": "= 1.0",
      "direction": "higher_is_better",
      "failure_mode": "analyst cannot contest the score",
      "requirement": "R3",
      "blocking": true
    },
    {
      "suite_id": "hitl-routing.v1",
      "category": "human_oversight",
      "metric": "declines issued without analyst review",
      "threshold": "= 0",
      "direction": "lower_is_better",
      "failure_mode": "automated decline",
      "requirement": "R1",
      "blocking": true
    }
  ],
  "environments": [
    "CI",
    "shadow in production"
  ],
  "entry_criteria": [
    "dataset admission record for the training snapshot is \"admit\"",
    "design record approved"
  ],
  "exit_criteria": [
    "all blocking suites pass",
    "no open severity-high defect"
  ],
  "real_world_testing": {
    "planned": false
  },
  "owner": "model-validation",
  "approved_by": "model-risk",
  "approved_at": "2026-07-01"
}