Infrastructure for Alternative Credit Scoring Models

How explicitly business rules and processes are documented

• Formal documentation of alternative data source definitions, permissible use policies, and scoring methodology rationale in machine-readable policy records for regulatory compliance

How data is organized into queryable, relational formats

• Structured schema normalizing heterogeneous alternative data inputs (transaction codes, payment categories, income event types) into a consistent feature ontology

Whether operational knowledge is systematically recorded

• Systematic capture of raw transaction histories, rent and utility payment records, and income event streams into structured feature stores with source provenance tracking

How frequently and reliably information is kept current

• Automated monitoring of model performance across applicant segments with drift detection alerts when alternative data input distributions shift from training baseline

Whether systems expose data through programmatic interfaces

• API access to bank account data aggregators, rent payment networks, and utility payment providers with standardized response schemas and consent management

Whether systems share data bidirectionally

• Direct integrations connecting alternative data providers to the feature store and model serving infrastructure for real-time score generation