Documents

1. System Description

The Credit Scoring Engine is a machine learning system that evaluates consumer creditworthiness for loan origination decisions. It processes approximately 15,000 applications per month across retail and SME lending portfolios. The system utilizes gradient-boosted decision trees trained on 5 years of historical lending data.

2. Risk Classification

Classified as High Risk under EU AI Act Annex III, Category 5(b): AI systems used to evaluate the creditworthiness of natural persons. This classification triggers full conformity assessment requirements under Article 43.

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