| from app.core.enums import BureauRisk | |
| class BureauRiskClassifier: | |
| def classify(self, context: dict) -> BureauRisk: | |
| max_dpd = context.get("maxDPD") or 0 | |
| dpd60 = context.get("dpd60Count") or 0 | |
| dpd90 = context.get("dpd90Count") or 0 | |
| enquiries = context.get("creditEnquiries6M") or 0 | |
| unsecured = context.get("activeUnsecuredLoans") or 0 | |
| cibil = context.get("cibilScore") or 0 | |
| overdue = context.get("overdueAmount") or 0 | |
| dpd30 = context.get("dpd30Count") or 0 | |
| if dpd60 > 0 or dpd90 > 0 or max_dpd > 90 or enquiries > 5 or unsecured > 2: | |
| return BureauRisk.HIGH | |
| if dpd30 > 0 or max_dpd > 0 or enquiries > 2 or 700 <= cibil <= 750: | |
| return BureauRisk.MEDIUM | |
| if cibil > 750 and overdue <= 0 and enquiries <= 2: | |
| return BureauRisk.LOW | |
| return BureauRisk.MEDIUM | |