Replayable Credit Decisions: The Backend Pattern Auditors and Engineers Both Want

If you cannot re-run a lending decision from last March and get the same answer, you do not have an audit trail. You have a log file. A merchant asks why their credit line was declined in March. Compliance wants the answer by Friday. The engineer who wrote the underwriting rules left in June, the rules have been edited eleven times since, and the bureau response was never stored. All that remains…