{ "identifier": "2962", "rules": { "grade-1": [ { "key": "rejected", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.status_logs.status", "primaryColumn": "application_id", "dbCondition": [ "where status='rejected'", "order by created_at", "limit 1" ] } } ], "against": [ { "type": "text", "details": { "value": "rejected", "condition": "equal" } } ] }, "priority": 1 }, { "key": "pan_verfication", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.credit_report.panValidation", "primaryColumn": "application_id", "dbCondition": [ "where applicant_type='1'" ], "dbSelect": [ "REPLACE(JSON_EXTRACT(panValidation, '$.\"sch:PANStatus\"'), '\"', '')" ] } } ], "against": [ { "type": "text", "details": { "value": "SUCCESS", "condition": "equal" } } ] }, "priority": 1 }, { "key": "max_loan_amount", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.loan_amount", "primaryColumn": "id", "condition": "greaterThanEqual" } } ] }, "priority": 2 }, { "key": "min_loan_amount", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.loan_amount", "primaryColumn": "id", "condition": "lessThanEqual" } } ] }, "priority": 2 }, { "key": "net_tenure", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.emi_calculation.remaining_emi", "primaryColumn": "application_id", "condition": "lessThanEqual" } } ] }, "priority": 3 }, { "key": "credit_score", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.credit_report.Score", "primaryColumn": "application_id", "condition": "greaterThanEqual" } } ] }, "priority": 4 }, { "key": "foir", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.credit_report.cfFoir", "primaryColumn": "application_id", "condition": "lessThanEqual" } } ] }, "priority": 4 }, { "key": "monthly_income", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.monthly_income", "primaryColumn": "id", "condition": "lessThanEqual" } } ] } }, { "key": "age", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.dob", "primaryColumn": "id", "condition": "lessThanEqual", "function": { "call": "dateDiffInYear(var1, var2)", "arg": [ "db.dob", "fun.getCurrentDate" ] } } } ] }, "priority": 4 }, { "key": "employee_status", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.employee_status", "primaryColumn": "id" } } ], "against": [ { "type": "list", "details": { "value": [ "SALARIED", "UNEMPLOYED", "HOUSEWIFE" ], "condition": "inList" } } ] }, "priority": 4 }, { "key": "average_balance", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.emi_calculation.emi", "primaryColumn": "application_id", "dbSelect": [ "2*emi" ] } } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.finbit_datas.average_balance", "primaryColumn": "application_id", "condition": "greaterThanEqual" } } ] }, "priority": 4 }, { "key": "negative_area", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.current_address_pincode", "primaryColumn": "id" } } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.pincodes.pincode", "dbCondition": [ "where pincode='db.source.current_address_pincode' limit 1" ], "condition": "equal" } } ] }, "priority": 4 }, { "key": "BureauScore", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "s3", "details": { "value": "sch:Value", "config_accessors": "bureau", "condition": "greaterThanEqual" } } ] }, "priority": 4 }, { "key": "Surrogate", "value": { "source": [ { "type": "text", "details": { "value": 1 } } ], "against": [ { "type": "s3", "details": { "value": "sch:Account", "config_accessors": "bureau", "function": { "call": "check_surrogate_rule_batch(var1, var2, var3, var4)", "arg": [ "sys.input.loan_amount", "sys.input.bureau_created_at", "sys.input.surrogate_percentage", "s3.sch:Account" ] }, "condition": "equal" } } ] }, "priority": 4 }, { "key": "merchant_eligibility", "value": { "source": [ { "type": "text", "details": { "value": 1 } } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.pincodes.pincode", "dbRaw": "select count(*) as app_count, SUM(approved_amount) as total_approved_amount from `consumer_application` where `merchant_id` = (select merchant_id from consumer_application where id = {sys.input.id}) and `state` in ('approved', 'disbursement checklist done', 'ready for disbursement', 'disbursed', 'nach registered', 'closed')", "function": { "call": "is_merchant_eligible(var1, var2)", "arg": [ "sys.input.loan_amount", "db.total_approved_amount" ] }, "condition": "equal" } } ] }, "priority": 4 } ], "grade-2": [ { "key": "rejected", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.status_logs.status", "primaryColumn": "application_id", "dbCondition": [ "where status='rejected'", "order by created_at", "limit 1" ] } } ], "against": [ { "type": "text", "details": { "value": "rejected", "condition": "equal" } } ] }, "priority": 1 }, { "key": "pan_verfication", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.credit_report.panValidation", "primaryColumn": "application_id", "dbCondition": [ "where applicant_type='1'" ], "dbSelect": [ "REPLACE(JSON_EXTRACT(panValidation, '$.\"sch:PANStatus\"'), '\"', '')" ] } } ], "against": [ { "type": "text", "details": { "value": "SUCCESS", "condition": "equal" } } ] }, "priority": 1 }, { "key": "max_loan_amount", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.loan_amount", "primaryColumn": "id", "condition": "greaterThanEqual" } } ] }, "priority": 2 }, { "key": "min_loan_amount", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.loan_amount", "primaryColumn": "id", "condition": "lessThanEqual" } } ] }, "priority": 2 }, { "key": "net_tenure", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.emi_calculation.remaining_emi", "primaryColumn": "application_id", "condition": "lessThanEqual" } } ] }, "priority": 3 }, { "key": "credit_score", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.credit_report.Score", "primaryColumn": "application_id", "condition": "greaterThanEqual" } } ] }, "priority": 4 }, { "key": "foir", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.credit_report.cfFoir", "primaryColumn": "application_id", "condition": "lessThanEqual" } } ] }, "priority": 4 }, { "key": "monthly_income", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.monthly_income", "primaryColumn": "id", "condition": "lessThanEqual" } } ] } }, { "key": "age", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.dob", "primaryColumn": "id", "condition": "lessThanEqual", "function": { "call": "dateDiffInYear(var1, var2)", "arg": [ "db.dob", "fun.getCurrentDate" ] } } } ] }, "priority": 4 }, { "key": "employee_status", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.employee_status", "primaryColumn": "id" } } ], "against": [ { "type": "list", "details": { "value": [ "SALARIED", "UNEMPLOYED", "HOUSEWIFE" ], "condition": "inList" } } ] }, "priority": 4 }, { "key": "average_balance", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.emi_calculation.emi", "primaryColumn": "application_id", "dbSelect": [ "2*emi" ] } } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.finbit_datas.average_balance", "primaryColumn": "application_id", "condition": "greaterThanEqual" } } ] }, "priority": 4 }, { "key": "negative_area", "value": { "source": [ { "type": "db", "details": { "value": "sourceFile.cf.consumer_application.current_address_pincode", "primaryColumn": "id" } } ], "against": [ { "type": "db", "details": { "value": "sourceFile.cf.pincodes.pincode", "dbCondition": [ "where pincode='db.source.current_address_pincode' limit 1" ], "condition": "equal" } } ] }, "priority": 4 }, { "key": "BureauScore", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "s3", "details": { "value": "sch:Value", "config_accessors": "bureau", "condition": "greaterThanEqual" } } ] }, "priority": 4 }, { "key": "Surrogate", "value": { "source": [ { "type": "text", "details": { "value": 1 } } ], "against": [ { "type": "s3", "details": { "value": "sch:Account", "config_accessors": "bureau", "function": { "call": "check_surrogate_rule_batch(var1, var2, var3, var4)", "arg": [ "sys.input.loan_amount", "sys.input.bureau_created_at", "sys.input.surrogate_percentage", "s3.sch:Account" ] }, "condition": "equal" } } ] }, "priority": 4 }, { "key": "dpd", "value": { "source": [ { "type": "key" } ], "against": [ { "type": "s3", "details": { "value": "sch:Account", "config_accessors": "bureau", "function": { "call": "get_dpd_from_date(var1, var2)", "arg": [ "sys.input.bureau_pull_date", "s3.sch:Account" ] }, "condition": "equal" } } ] }, "priority": 4 } ] }, "storage": {}, "autoload": { "config": { "s3": { "AWS_ACCESS_KEY_ID": "::getENV", "AWS_SECRET_ACCESS_KEY": "::getENV", "AWS_BUCKET_NAME": "creditfair-customer-documents-test" }, "files": { "bureau": { "type": "s3", "misc": { "file": "{identifier}/{identifier}_response.json", "type": "experien" } } } } }, "functions": { "lang": [ { "php": [ { "dateDiffInYear()": "private function dateDiffInYear($key, $key2){return (date('Y', strtotime($key2)) - date('Y',strtotime($key1))); }", "getCurrentDate()": "private function getCurrentDate(){return date('Y-m-d'); }" } ], "python": [ { "dateDiffInYear()": "def dateDiffInYear(date1, date2):\n from datetime import datetime\n date1 = datetime.strptime(date1, \"%Y-%m-%d\")\n date2 = datetime.strptime(date2, \"%Y-%m-%d\")\n delta = date2 - date1\n return int(delta.days / 365)\n", "getCurrentDate()": "from datetime import date\n\ndef getCurrentDate():\n return date.today().strftime(\"%Y-%m-%d\")\n", "getSurrogate": "def getSurrogate(application, surrogate_percentage, foir):\n from datetime import datetime\n return int((1 if foir['sch:AccountType'] in ['Home Loan', 'Business Loan', 'Auto Loan'] else 0) and (1 if (datetime.strptime(foir.DateOpened, '%Y-%m-%d %H:%M:%S') - datetime.strptime(application.creditReport[0].created_at, '%Y-%m-%d %H:%M:%S')).days // 30 >= 12 else 0) and (1 if (datetime.strptime(foir.DateClosed, '%Y-%m-%d %H:%M:%S') - datetime.strptime(application.creditReport[0].created_at, '%Y-%m-%d %H:%M:%S')).days // 30 <= 60 else 0) and (1 if (foir.ApprovedAmount - foir.Balance) * surrogate_percentage / 100 >= application.approved_amount else 0))", "check_surrogate_rule_batch": "def check_surrogate_rule_batch(approved_amount, created_at, surrogate_percentage, accounts):\n surrogate_checks = [check_surrogate_rule(approved_amount, created_at, surrogate_percentage, account) for account in accounts[0]]\n\n if sum(surrogate_checks) == 0:\n return 1\n return 0", "parse_date": "def parse_date(date_str):\n from datetime import datetime\n if not date_str:\n return ''\n return datetime.strptime(date_str, '%Y-%m-%d')", "calculate_bureau_months": "def calculate_bureau_months(date1, date2):\n if not date1 or not date2:\n return 0\n return (date1 - date2).days // 30", "check_loan_type": "def check_loan_type(loan_type, surrogate_loans):\n return 1 if loan_type in surrogate_loans else 0", "check_open_date": "def check_open_date(bureau_open):\n return 1 if bureau_open >= 12 else 0", "loan_sanction_amount": "def loan_sanction_amount(foir):\n return foir['sch:SanctionAmount'] if 'sch:SanctionAmount' in foir else foir['sch:HighCredit']", "check_close_date": "def check_close_date(bureau_close):\n return 1 if bureau_close <= 60 else 0", "check_amount": "def check_amount(sanctioned_percentage, requested_loan_amount):\n return 1 if sanctioned_percentage >= requested_loan_amount else 0", "check_surrogate_rule": "def check_surrogate_rule(approved_amount, created_at, surrogate_percentage, foir):\n print(foir['sch:AccountType'])\n\n surrogate_loans = ['Home Loan', 'Business Loan', 'Auto Loan']\n\n requested_loan_amount = approved_amount\n bureau_pull_date = parse_date(created_at)\n loan_type = foir['sch:AccountType']\n loan_open_date = parse_date(foir['sch:DateOpened'] if 'sch:DateOpened' in foir else '')\n loan_closed_date = parse_date(foir['sch:DateClosed'] if 'sch:DateClosed' in foir else '')\n sanctioned_amount = float(loan_sanction_amount(foir)) - float(foir['sch:Balance'])\n bureau_open = calculate_bureau_months(loan_open_date, bureau_pull_date)\n bureau_close = calculate_bureau_months(loan_closed_date, bureau_pull_date)\n sanctioned_percentage = sanctioned_amount * surrogate_percentage / 100\n\n loan_type_check = check_loan_type(loan_type, surrogate_loans)\n open_date_check = check_open_date(bureau_open)\n close_date_check = check_close_date(bureau_close)\n amount_check = check_amount(sanctioned_percentage, requested_loan_amount)\n\n combined_check = 1 if all([loan_type_check, open_date_check, close_date_check, amount_check]) else 0\n return combined_check", "get_max": "def getMax(lists):\n numeric_values = [int(item) for sublist in lists.values() for item in sublist if item.isdigit()]\n if numeric_values:\n return max(numeric_values)\n else:\n return 0", "get_dpd_from_date": "from datetime import datetime\n\ndef get_dpd_from_date(from_date, accounts):\n dpdLists = {}\n for account in accounts[0]:\n if account['sch:Open'] == 'Yes':\n dpdData = [\n remove_special_symbols(MonthWise['sch:PaymentStatus'])\n for index, History in account['sch:History48Months'].items()\n for MonthWise in History\n if datetime.strptime(MonthWise['@key'], '%m-%y') > datetime.strptime(from_date, '%Y-%m-%d')\n ]\n dpdLists[account['@seq']] = dpdData\n return getMax(dpdLists)", "remove_special_symbols": "import re\n\ndef remove_special_symbols(input_string):\n pattern = r'[^\\w\\s]'\n result = re.sub(pattern, '', input_string)\n return result", "is_merchant_eligible": "def is_merchant_eligible(loan_amount, total_amount):\n print('is_merchant_eligible')\n if loan_amount > total_amount:\n return 0\n return 1" } ] } ] }, "sources": { "sourceFile": { "cf": "cfwebbeta", "loc": "line_of_credit" }, "connections": [ { "db": "cfwebbeta", "status": true, "table": [ { "consumer_application": [ "loan_amount", "monthly_income", "dob", "employee_status" ], "emi_calculation": [ "remaining_emi" ], "credit_report": [ "Score", "panValidation" ], "foir": [ "CFFoir" ], "status_logs": [ "rejected" ] } ] }, { "db": "line_of_credit", "table": [ { "applications": [ "loan_amount" ] } ] } ] } }