Retail Lending — Digital Origination
Akshay Kolte · customer CUST-10258 · submitted 2026-08-31T13:58:01+00:00 · demonstration path C (Human-in-the-loop referral)
Generated by the workflow. Advisory only — a lending decision remains with authorised credit staff.
Income (payslip + bank credit) and the existing 6,300/month obligation (recurring debit) are corroborated across independent sources, and the bureau position supports the file. However, the 2,200 rent figure — the second-largest fixed outflow and the input the headline 34.8% residual conclusion rests on — is a bare declaration with no lease and no identifiable rent debit on the statement. Address proof establishes residence, not cost. Sensitivity is material: rent at 2,800–3,000 pushes residual toward 30% and materially weakens the file. Recommendation is APPROVE conditional on a fifth condition requiring rent to be evidenced by lease or a corresponding statement debit, held to the same standard applied to the 6,300 facility. If that condition closes clean alongside the other four, the case holds; confidence is held down not by residual risk but by a genuine gap in the file as it stands.
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