{
  "$schema": "https://aigovernanceengineer.com/schemas/use-case-record.v1.json",
  "record_id": "uc-2026-017",
  "title": "Affordability scoring for consumer loans",
  "business_owner": "head-of-retail-credit",
  "business_problem": "Manual affordability checks take two days and vary between analysts.",
  "intended_purpose": "Score the affordability of consumer loan applications up to 30k EUR so that a credit analyst decides faster and more consistently.",
  "out_of_scope_uses": [
    "mortgage decisions",
    "fraud detection",
    "automatic decline without analyst review",
    "marketing segmentation"
  ],
  "users": [
    "credit analysts"
  ],
  "affected_persons": [
    "consumer loan applicants"
  ],
  "decision_authority": "human_decides",
  "ai_justification": {
    "alternatives_considered": [
      "static affordability rules",
      "more analysts"
    ],
    "why_ai": "Rules miss income volatility patterns the historical data shows; the model is advisory and the analyst decides."
  },
  "success_metrics": [
    {
      "metric": "median time to decision",
      "target": "under 4 hours",
      "direction": "lower_is_better"
    },
    {
      "metric": "default rate at 12 months",
      "target": "no worse than the manual baseline",
      "direction": "lower_is_better"
    }
  ],
  "error_appetite": "A wrongful decline harms the applicant more than a wrongful approval harms the bank at these amounts; thresholds favour referral to an analyst.",
  "data_sources": [
    {
      "name": "loan applications 2019-2025",
      "personal_data": true,
      "special_category": false
    },
    {
      "name": "repayment history",
      "personal_data": true,
      "special_category": false
    }
  ],
  "jurisdictions": [
    "ES",
    "PT"
  ],
  "preliminary_classification": {
    "eu_ai_act_category": "high_risk_annex_iii",
    "internal_tier": "high",
    "rationale": "Creditworthiness evaluation of natural persons (Annex III point 5(b)); personal data at scale."
  },
  "assessments_required": [
    "fria",
    "dpia"
  ],
  "decision": {
    "outcome": "approved_with_conditions",
    "conditions": [
      "FRIA and DPIA approved before any production use",
      "analyst review of every decline"
    ],
    "decided_by": "ai-governance-committee",
    "decided_at": "2026-05-12"
  },
  "register_entry": "credit-afford-03"
}