6. The 1-2-3™ Framework: How You Can Have This in Days

It’s designed to remove friction, avoid big-bang integrations, and let you see measurable impact on a controlled pilot before you expand. Below is exactly what happens, what we need from you, and what you get at each step.

One Day — Map Your Portfolio & Stand Up the Sandbox

Goal: get to a working, realistic simulation fast — using the data you already have.

What we need from you (lightweight):

A secure export (CSV/SQL/Parquet) of recent applications with a minimal field set: SIMAH/bureau fields, income, DBR elements, liabilities, limits, employment signals, requested amount/tenor, outcome flags (approve/reject/manual), and repayment outcome where available.
A 60-minute workshop with risk + product to confirm decision policies, appetite bands, and any non-negotiables (e.g., DBR caps, product constraints, tenor limits).
A single point of contact for clarifications.

What we do in 24 hours:

Clean, normalize, and align fields to our RiskInsights™ and BusinessImpact™ schemas (we’re used to messy, incomplete data).
Run the EAD/LGD risk engine to produce a live portfolio map: low/medium/high segments, exposure hotspots, and AutoGreen™/FlexTier™/SmartRescue™ eligibility.
Stand up your secure Sandbox Console: interactive dashboards + drill-downs you can filter by product, salary bands, regions, channels, or dates.

Deliverables (Day 1):

A clickable portfolio heat map with clear counts and SAR opportunity by track.
Three sample CreditUplift™ reports showing per-applicant rationale (approve / reroute / decline) with drivers.
A one-page action brief: “What to approve now, what to restructure, what to reroute.”

Success criteria: your team can point to specific segments where approvals can safely increase and where losses would likely decrease — before any production change.

One Week — Pilot Decisioning You Can Trust

Goal: move from simulation to controlled live decisions with full explainability.

What we set up:

Decision Playbooks matching your appetite:
- AutoGreen™: instant approval rules with limits/pricing & guardrails.
- FlexTier™: structured offers for the medium-risk majority (smaller principal, shorter tenor, pricing tiers, usage caps).
- SmartRescue™: fallback paths (prepaid/secured) plus CreditEducator™ guidance for re-entry.
Approval Explanations out of the box (for auditors/boards/regulators): key positive/negative drivers, score behaviour, EAD/LGD, and why this offer fits the policy.
Pilot Modes to fit your comfort:
1. Shadow (no customer impact): compare our decisions with your current outcomes.
2. Dual-track (limited exposure): a bounded % of traffic uses our playbooks.
3. Full-track (for one product/channel): all flow uses our playbooks.

ntegration options (choose one):

Zero-integration: your team uploads daily batches; decisions + PDFs return instantly.
Light API: we expose a secure endpoint to score and return decisions in milliseconds.
Human-in-the-loop: risk analysts review CreditUplift™ PDFs and click approve/reroute/decline.

What you see by the end of Week 1:

A live Pilot Scorecard: approvals gained, SAR unlocked, fallback monetization, predicted loss impact, and manual-review deflection.
Per-applicant CreditUplift™ reports that show exactly what changed and why.
A rollback switch (always available) — no-risk operational safety net.

Success criteria: a measurable lift in safe approvals and a reduction in manual reviews without a rise in projected losses — all with transparent logic.

One Minute — Everyday Decisions, On Demand

Goal: make every decision explainable and instantaneous for your team.

What “One Minute” looks like in practice:

A new application lands. In under a second, our engine returns:
- Track (AutoGreen™ / FlexTier™ / SmartRescue™),
- Offer (amount, tenor, pricing, guardrails),
- Why (top drivers + EAD/LGD),
- PDF (CreditUplift™ summary for your records, regulators, or customer comms).
If human review is required, your analyst opens the PDF, sees exactly what to do, and closes the file within a minute — no committee delays.

Operational benefits:

Speed: instant “yes” for low-risk, guided structure for medium-risk, clear fallback for high-risk.
Consistency: the same logic for every applicant; bias and ad-hoc exceptions drop.
Auditability: every decision is backed by an explanation trail your governance team can defend.

What Changes on Your Side (and What Doesn’t)

No org redesign. Your existing risk governance remains; we simply give it a sharper, automation-ready lens.
No long IT queue. Start batch/shadow; add API later if you prefer.
No model black boxes. Explanations are readable and mapped to your policy language.
Yes to controls. You set appetites and hard limits; we operationalize them.

Roles & Timeline at a Glance

Day 0 (Prep): data extract + 60-min policy workshop.
Day 1: Sandbox live; RiskInsights™ + BusinessImpact™ report; sample CreditUplift™ PDFs.
Days 2–5: decision playbooks tuned; pilot mode selected; rollout checklist completed.
Day 6–7: pilot running; Scorecard review; adjust thresholds; agree scale-up plan.

Your team: one data owner, one risk owner, one business owner.

Our team: data engineering, risk science, implementation lead (single point of contact).

How We De-Risk the Journey

Messy data tolerance: we clean/align fields; missing values don’t stall progress.
Kill-switch: revert to current process instantly.
Phased expansion: start with one product/channel; extend as results land.
Guardrails first: limits/tenors/pricing tiers enforced from day one.

What You’ll Walk Away With

A live decisioning pilot that your team understands and trusts.
A quantified SAR upside with policy-aligned offers ready to launch.
A repeatable daily rhythm where approvals, reroutes, and declines are instant — and explainable.