Moving from Systems of Record to Systems of Action in Credit Risk [Part 2]
In Part 1, we walked through the “Nagpur File”—a story of how a perfectly good borrower was rejected by a Maker-Checker process that took 48 hours to decide what an algorithm knew in 48 milliseconds. We called this the “Conviction Gap.” Today, in Part 2, we tear down the architecture that causes this gap: the […]