| # Configurable Two Wheeler Loan STP Scorecard API |
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| Production-shaped FastAPI service for bank LOS scorecard integration. It calculates score, evaluates DB-configured business rules, routes cases to STP / Conditional STP / Non-STP / Reject, and returns explainable reason codes. |
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| ## Run Locally |
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| ```powershell |
| python -m venv .venv |
| .\\.venv\\Scripts\\Activate.ps1 |
| pip install -r requirements-dev.txt |
| python -m app.db.init_db |
| uvicorn app.main:app --reload |
| ``` |
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| Swagger UI: `http://localhost:8000/docs` |
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| Business console: `http://localhost:8000/` |
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| ## Docker |
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| ```powershell |
| docker compose up --build |
| ``` |
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| ## Main APIs |
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| - `POST /generate-scorecard` |
| - `POST /simulate-scorecard` |
| - `GET /scorecard/{lead_id}` |
| - `GET /rules` |
| - `POST /rules` |
| - `PUT /rules/{id}` |
| - `PATCH /rules/{id}/status` |
| - `GET /health` |
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| ## Rule Model |
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| Rules are structured records, not code. Business teams can update thresholds, scores, eligibility checks, and underwriting triggers through APIs. |
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| Supported operators: `>`, `>=`, `<`, `<=`, `=`, `!=`, `BETWEEN`, `IN`, `NOT_IN`. |
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| Rule types: |
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| - `SCORE` |
| - `HARD_REJECT` |
| - `NON_STP` |
| - `STP_ELIGIBILITY` |
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| The HTML console lets users edit rules product-wise for two wheeler, new/used car, new/used commercial vehicle, and new/used tractor scorecards. |
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| ## Example Request |
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| ```json |
| { |
| "tenantId": "default", |
| "productType": "TWO_WHEELER_LOAN", |
| "application": { |
| "leadId": "TW10001", |
| "customerName": "ABC", |
| "mobile": "9999999999", |
| "employmentType": "SALARIED", |
| "monthlyIncome": 45000, |
| "existingEMI": 8000, |
| "foir": 32, |
| "loanAmount": 95000, |
| "assetCost": 125000, |
| "ltv": 76, |
| "tenure": 36, |
| "dealerId": "DL101", |
| "state": "Karnataka", |
| "city": "Bangalore", |
| "negativeArea": false, |
| "faceMatchScore": 92, |
| "panVerified": true, |
| "aadhaarVerified": true, |
| "bankingSurrogate": true, |
| "coApplicant": false |
| }, |
| "bureau": { |
| "cibilScore": 753, |
| "creditVintageMonths": 123, |
| "activeAccounts": 2, |
| "closedAccounts": 47, |
| "overdueAmount": 0, |
| "writtenOffAccounts": 0, |
| "settledAccounts": 0, |
| "maxDPD": 0, |
| "dpd30Count": 0, |
| "dpd60Count": 0, |
| "dpd90Count": 0, |
| "creditEnquiries6M": 2, |
| "creditEnquiries12M": 4, |
| "activeUnsecuredLoans": 1, |
| "activeSecuredLoans": 1, |
| "jointAccounts": 0, |
| "creditUtilization": 2 |
| } |
| } |
| ``` |
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