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Glossary

What is Decision traceability?

Regulation

Decision traceability is the ability to reconstruct, for any given case, which policy was applied, on what data, which version was live and what outcome it produced. It is the baseline requirement for auditing, explaining and defending a credit decision to customers and regulators.

What should be recorded

  • The exact policy version applied to the case.
  • Input data and the sources queried.
  • The rules and scores that were involved.
  • The outcome and the reason for the decision.
Keep exploring

Related terms

Model risk

Model risk is the exposure to poor decisions caused by flaws in the design, data or use of a scoring model or credit policy. It is mitigated through governance: independent validation, versioning, performance monitoring and full traceability of every change.

Back to the full glossary.

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