Forecast credit scoring requirement

Trigger: A scheduled risk management review or a change in overarching credit policy initiates the forecasting cycle.

1. Extract historical portfolio performance and score distributions
2. Analyze macroeconomic trends and expected transaction volumes
3. Review organizational risk appetite and current credit policies
4. Simulate portfolio risk across different credit score tiers
5. Define minimum score thresholds and target tier distributions
6. Submit forecasted scoring requirements for risk committee approval

Outcome: Forward-looking credit score thresholds and tier distributions are established and approved for use in underwriting.