Score Bands

Scores run from 350 to 850 — a FICO-compatible scale. The engine maps scores to five risk bands and derives the default decision from each band. Your risk policy can adjust the thresholds that separate these bands.

Score Range	Band	Typical Decision	Notes
800 – 850	VERY_LOW_RISK	APPROVED	Full approval at requested amount and tenor.
700 – 799	LOW_RISK	APPROVED	Full approval. May trigger manual review if near the 700 boundary.
600 – 699	MEDIUM_RISK	COUNTER_OFFER	May be approved at a reduced amount or extended tenor based on affordability.
500 – 599	HIGH_RISK	MANUAL_REVIEW	Sent to a human underwriter before a decision is issued.
350 – 499	VERY_HIGH_RISK	REJECTED	Does not meet minimum credit criteria.

A score of 350 is the baseline — every application starts here and earns points upward. A final score at or near 350 means very few points were earned, or that a hard knockout rule (identity mismatch, active default, income below minimum) terminated scoring early. Always check risk_factors for the specific reason.

MANUAL_REVIEW can fire at any score band

The table above shows default outcomes per band. Three additional conditions can override an APPROVED decision and send it to manual review regardless of score:

Borderline scoreScore is within 20 points of any decision threshold (e.g. 680–720 straddles the 700 approve floor). The buffer prevents over-confident approvals near boundary zones.

High-value loanRequested amount exceeds ₦500,000. High-value loans require a human underwriter sign-off regardless of score.

Limited transaction historyFewer than 20 transactions across all linked accounts. Insufficient data for the engine to score confidently.

When any of these fire, the decision field will be MANUAL_REVIEW and manual_review_reasons will list exactly which condition(s) triggered it.

Default policy thresholds

score_reject_floor500Below this score → REJECTED

score_manual_floor600Below this score → MANUAL_REVIEW

score_approve_floor700At or above this score → APPROVED eligible

These defaults can be overridden per fintech via your Risk Policy in the dashboard.