Complete Execution Output (JSON):
{
"aml_screening": {
"adverse_media": "no_hits",
"aml_status": "cleared",
"compliance_score": 96.8,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.199742,
"end_time": "2025-07-16T08:15:41.608842",
"message_sent": true,
"start_time": "2025-07-16T08:15:41.409100",
"timestamp": "2025-07-16T08:15:41.608842",
"worker_executed": true,
"workers_notified": true
},
"manual_review_required": false,
"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"pep_screening": "not_identified",
"return_code": 0,
"risk_rating": "low",
"sanctions_check": "cleared",
"screening_date": "2024-07-15",
"status": "completed",
"stderr": "",
"task_id": "aml_screening",
"watchlist_check": "no_matches"
},
"analyze_bank_statements": {
"account_balance_trend": "stable",
"average_monthly_credits": 7200,
"bounced_transactions": 0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.485668,
"end_time": "2025-07-16T08:15:12.388196",
"message_sent": true,
"start_time": "2025-07-16T08:15:11.902528",
"timestamp": "2025-07-16T08:15:12.388196",
"worker_executed": true,
"workers_notified": true
},
"financial_discipline_score": 85.5,
"irregular_transactions": false,
"loan_emis_detected": 2,
"maximum_balance": 45000,
"minimum_balance": 15000,
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
"return_code": 0,
"salary_credits_consistent": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_bank_statements",
"total_monthly_debits": 5800
},
"analyze_credit_history": {
"average_account_age": "32 months",
"credit_limit_utilization": 35.2,
"credit_mix": {
"auto_loans": 1,
"credit_cards": 3,
"home_loans": 0,
"other": 1,
"personal_loans": 1
},
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.184248,
"end_time": "2025-07-16T08:15:25.382331",
"message_sent": true,
"start_time": "2025-07-16T08:15:25.198083",
"timestamp": "2025-07-16T08:15:25.382331",
"worker_executed": true,
"workers_notified": true
},
"oldest_account_age": "60 months",
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"recent_credit_behavior": "stable",
"repayment_behavior": {
"30_days_late": 12.0,
"60_days_late": 2.5,
"90_days_late": 0.5,
"defaults": 0.0,
"never_missed": 85.0
},
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "analyze_credit_history"
},
"analyze_salary_slips": {
"annual_gross": 102000,
"annual_net": 81600,
"deductions": {
"insurance": 300,
"pf": 500,
"tax": 1200
},
"employer": "Tech Corp Ltd",
"employment_duration": "2.5 years",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.407906,
"end_time": "2025-07-16T08:15:12.234717",
"message_sent": true,
"start_time": "2025-07-16T08:15:11.826811",
"timestamp": "2025-07-16T08:15:12.234717",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100%\",\n \"accuracy\": \"All provided information appears accurate and valid.\"\n },\n \"consistency_of_information\": {\n \"email\": \"Valid format\",\n \"phone\": \"Valid format\",\n \"address\": \"Complete and formatted correctly\",\n \"full_name\": \"Matches customer_id\",\n \"loan_purpose\": \"Appropriate for requested amount\",\n \"annual_income\": \"Consistent with loan purpose\",\n \"requested_amount\": \"Within reasonable limits for income\",\n \"employment_status\": \"Aligned with loan purpose\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": []\n },\n \"overall_application_quality_score\": 95\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 469,
"model": "gpt-4o-mini",
"output_length": 700,
"provider": "openai",
"system_message": "You are an expert uan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100%\",\n \"accuracy\": \"All provided information appears accurate and valid.\"\n },\n \"consistency_of_information\": {\n \"email\": \"Valid format\",\n \"phone\": \"Valid format\",\n \"address\": \"Complete and formatted correctly\",\n \"full_name\": \"Matches customer_id\",\n \"loan_purpose\": \"Appropriate for requested amount\",\n \"annual_income\": \"Consistent with loan purpose\",\n \"requested_amount\": \"Within reasonable limits for income\",\n \"employment_status\": \"Aligned with loan purpose\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": []\n },\n \"overall_application_quality_score\": 95\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100%\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate and valid.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"Valid format\\\",\\n \\\"phone\\\": \\\"Valid format\\\",\\n \\\"address\\\": \\\"Complete and formatted correctly\\\",\\n \\\"full_name\\\": \\\"Matches customer_id\\\",\\n \\\"loan_purpose\\\": \\\"Appropriate for requested amount\\\",\\n \\\"annual_income\\\": \\\"Consistent with loan purpose\\\",\\n \\\"requested_amount\\\": \\\"Within reasonable limits for income\\\",\\n \\\"employment_status\\\": \\\"Aligned with loan purpose\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": []\\n },\\n \\\"overall_application_quality_score\\\": 95\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 169, \"total_tokens\": 369, \"estimated_cost\": {\"amount\": 0.000131, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 169,
"estimated_cost": {
"amount": 0.000131,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 369
}
},
"duration_seconds": 8.877098,
"end_time": "2025-07-16T08:09:02.823243",
"message_sent": true,
"start_time": "2025-07-16T08:08:53.946145",
"timestamp": "2025-07-16T08:09:02.823243",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100%\",\n \"accuracy\": \"All provided information appears accurate and valid.\"\n },\n \"consistency_of_information\": {\n \"email\": \"Valid format\",\n \"phone\": \"Valid format\",\n \"address\": \"Complete and formatted correctly\",\n \"full_name\": \"Matches customer_id\",\n \"loan_purpose\": \"Appropriate for requested amount\",\n \"annual_income\": \"Consistent with loan purpose\",\n \"requested_amount\": \"Within reasonable limits for income\",\n \"employment_status\": \"Aligned with loan purpose\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": []\n },\n \"overall_application_quality_score\": 95\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100%\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate and valid.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"Valid format\\\",\\n \\\"phone\\\": \\\"Valid format\\\",\\n \\\"address\\\": \\\"Complete and formatted correctly\\\",\\n \\\"full_name\\\": \\\"Matches customer_id\\\",\\n \\\"loan_purpose\\\": \\\"Appropriate for requested amount\\\",\\n \\\"annual_income\\\": \\\"Consistent with loan purpose\\\",\\n \\\"requested_amount\\\": \\\"Within reasonable limits for income\\\",\\n \\\"employment_status\\\": \\\"Aligned with loan purpose\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": []\\n },\\n \\\"overall_application_quality_score\\\": 95\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 169, \"total_tokens\": 369, \"estimated_cost\": {\"amount\": 0.000131, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "application_quality_check",
"token_usage": {
"completion_tokens": 169,
"estimated_cost": {
"amount": 0.000131,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 369
}
},
"assess_existing_loans": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.193944,
"end_time": "2025-07-16T08:15:25.608854",
"message_sent": true,
"start_time": "2025-07-16T08:15:25.414910",
"timestamp": "2025-07-16T08:15:25.608854",
"worker_executed": true,
"workers_notified": true
},
"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
"remaining_tenure": "18 months",
"type": "personal_loan"
},
{
"emi": 4200,
"outstanding": 80000,
"remaining_tenure": "24 months",
"type": "auto_loan"
}
],
"number_of_loans": 2,
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"repayment_track_record": "excellent",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "assess_existing_loans",
"total_monthly_emi": 7700,
"total_outstanding": 125000
},
"calculate_credit_score": {
"cibil_score": 720,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.207226,
"end_time": "2025-07-16T08:15:41.135917",
"message_sent": true,
"start_time": "2025-07-16T08:15:40.928691",
"timestamp": "2025-07-16T08:15:41.135917",
"worker_executed": true,
"workers_notified": true
},
"internal_credit_score": 337.9,
"min_required_score": 650,
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"risk_category": "high",
"score_acceptable": false,
"scoring_factors": {
"cibil_contribution": 288.0,
"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
"utilization_contribution": 12.96
},
"status": "completed",
"stderr": "",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"debt_to_income_ratio": 0.4142156862745098,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 416.6666666666667, \"total_debt_payments\": 2816.6666666666665, \"debt_to_income_ratio\": 0.4142156862745098, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.25714,
"end_time": "2025-07-16T08:15:12.714089",
"message_sent": true,
"start_time": "2025-07-16T08:15:12.456949",
"timestamp": "2025-07-16T08:15:12.714089",
"worker_executed": true,
"workers_notified": true
},
"existing_debt_payments": 2400,
"max_allowed_ratio": 0.4,
"monthly_net_income": 6800,
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 416.6666666666667, \"total_debt_payments\": 2816.6666666666665, \"debt_to_income_ratio\": 0.4142156862745098, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 416.6666666666667,
"ratio_acceptable": false,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2816.6666666666665
},
"check_cibil_score": {
"active_accounts": 6,
"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.189842,
"end_time": "2025-07-16T08:15:25.164857",
"message_sent": true,
"start_time": "2025-07-16T08:15:24.975015",
"timestamp": "2025-07-16T08:15:25.164857",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with the application\",\n \"reason\": \"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\"\n },\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
"output_length": 1299,
"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with the application\",\n \"reason\": \"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\"\n },\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with the application\\\",\\n \\\"reason\\\": \\\"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2467, \"completion_tokens\": 301, \"total_tokens\": 2768, \"estimated_cost\": {\"amount\": 0.000551, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
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"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with the application\",\n \"reason\": \"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\"\n },\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with the application\\\",\\n \\\"reason\\\": \\\"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2467, \"completion_tokens\": 301, \"total_tokens\": 2768, \"estimated_cost\": {\"amount\": 0.000551, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": 25,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"status\": \"failed\",\n \"error\": \"Python script error due to NameError\"\n },\n \"aadhaar_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"URL not provided\",\n \"Address does not match\",\n \"Document not found\"\n ]\n },\n \"passport_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Passport not provided\",\n \"Document not found\"\n ]\n },\n \"address_proof\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Address proof URL not provided\",\n \"Document not found\"\n ]\n }\n },\n \"risk_factors_identified\": [\n \"Multiple documents failed verification\",\n \"Lack of essential documents (Aadhaar, Passport, Address Proof)\",\n \"Potential identity verification issues due to missing or invalid documents\"\n ],\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application\",\n \"reason\": \"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\"\n }\n}\n```",
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"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
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"output": "```json\n{\n \"overall_verification_success_rate\": 25,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"status\": \"failed\",\n \"error\": \"Python script error due to NameError\"\n },\n \"aadhaar_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"URL not provided\",\n \"Address does not match\",\n \"Document not found\"\n ]\n },\n \"passport_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Passport not provided\",\n \"Document not found\"\n ]\n },\n \"address_proof\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Address proof URL not provided\",\n \"Document not found\"\n ]\n }\n },\n \"risk_factors_identified\": [\n \"Multiple documents failed verification\",\n \"Lack of essential documents (Aadhaar, Passport, Address Proof)\",\n \"Potential identity verification issues due to missing or invalid documents\"\n ],\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application\",\n \"reason\": \"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 25,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"status\\\": \\\"failed\\\",\\n \\\"error\\\": \\\"Python script error due to NameError\\\"\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"URL not provided\\\",\\n \\\"Address does not match\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"passport_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Passport not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"address_proof\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Address proof URL not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n \\\"Multiple documents failed verification\\\",\\n \\\"Lack of essential documents (Aadhaar, Passport, Address Proof)\\\",\\n \\\"Potential identity verification issues due to missing or invalid documents\\\"\\n ],\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application\\\",\\n \\\"reason\\\": \\\"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1024, \"completion_tokens\": 277, \"total_tokens\": 1301, \"estimated_cost\": {\"amount\": 0.00032, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 25,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"status\": \"failed\",\n \"error\": \"Python script error due to NameError\"\n },\n \"aadhaar_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"URL not provided\",\n \"Address does not match\",\n \"Document not found\"\n ]\n },\n \"passport_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Passport not provided\",\n \"Document not found\"\n ]\n },\n \"address_proof\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Address proof URL not provided\",\n \"Document not found\"\n ]\n }\n },\n \"risk_factors_identified\": [\n \"Multiple documents failed verification\",\n \"Lack of essential documents (Aadhaar, Passport, Address Proof)\",\n \"Potential identity verification issues due to missing or invalid documents\"\n ],\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application\",\n \"reason\": \"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 25,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"status\\\": \\\"failed\\\",\\n \\\"error\\\": \\\"Python script error due to NameError\\\"\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"URL not provided\\\",\\n \\\"Address does not match\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"passport_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Passport not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"address_proof\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Address proof URL not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n \\\"Multiple documents failed verification\\\",\\n \\\"Lack of essential documents (Aadhaar, Passport, Address Proof)\\\",\\n \\\"Potential identity verification issues due to missing or invalid documents\\\"\\n ],\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application\\\",\\n \\\"reason\\\": \\\"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1024, \"completion_tokens\": 277, \"total_tokens\": 1301, \"estimated_cost\": {\"amount\": 0.00032, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 125000\n- **Number of Loans**: 2\n\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\n\n### Risk Score Calculation\nConsidering all the factors:\n- **Credit Score**: 20 (Good)\n- **Repayment Patterns**: 10 (Excellent)\n- **Credit Utilization**: 15 (Acceptable)\n- **Existing Loan Burden**: 10 (Manageable)\n- **Overall Risk Profile**: 10 (Stable)\n\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\n\n### Recommendations\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\n\n### Conclusion\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 125000\n- **Number of Loans**: 2\n\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\n\n### Risk Score Calculation\nConsidering all the factors:\n- **Credit Score**: 20 (Good)\n- **Repayment Patterns**: 10 (Excellent)\n- **Credit Utilization**: 15 (Acceptable)\n- **Existing Loan Burden**: 10 (Manageable)\n- **Overall Risk Profile**: 10 (Stable)\n\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\n\n### Recommendations\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\n\n### Conclusion\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 125000\\n- **Number of Loans**: 2\\n\\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\\n\\n### Risk Score Calculation\\nConsidering all the factors:\\n- **Credit Score**: 20 (Good)\\n- **Repayment Patterns**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Acceptable)\\n- **Existing Loan Burden**: 10 (Manageable)\\n- **Overall Risk Profile**: 10 (Stable)\\n\\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\\n\\n### Recommendations\\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\\n\\n### Conclusion\\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1677, \"completion_tokens\": 813, \"total_tokens\": 2490, \"estimated_cost\": {\"amount\": 0.000739, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 125000\n- **Number of Loans**: 2\n\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\n\n### Risk Score Calculation\nConsidering all the factors:\n- **Credit Score**: 20 (Good)\n- **Repayment Patterns**: 10 (Excellent)\n- **Credit Utilization**: 15 (Acceptable)\n- **Existing Loan Burden**: 10 (Manageable)\n- **Overall Risk Profile**: 10 (Stable)\n\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\n\n### Recommendations\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\n\n### Conclusion\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 125000\\n- **Number of Loans**: 2\\n\\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\\n\\n### Risk Score Calculation\\nConsidering all the factors:\\n- **Credit Score**: 20 (Good)\\n- **Repayment Patterns**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Acceptable)\\n- **Existing Loan Burden**: 10 (Manageable)\\n- **Overall Risk Profile**: 10 (Stable)\\n\\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\\n\\n### Recommendations\\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\\n\\n### Conclusion\\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1677, \"completion_tokens\": 813, \"total_tokens\": 2490, \"estimated_cost\": {\"amount\": 0.000739, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_aadhaar_info": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"aadhaar_number\": \"123456789012\",\n \"name\": \"Full Name\",\n \"address\": \"Full Address\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"gender\": \"Male/Female\"\n}\n```",
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"system_message": "You are an expert document information extractor. Extract Aadhaar card information from the OCR text.\n\nExtract the following information:\n- Aadhaar number (12 digit number)\n- Full name as printed on card\n- Address\n- Date of birth\n- Gender (if visible)\n\nReturn structured JSON with extracted information.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"aadhaar_number\": \"123456789012\",\n \"name\": \"Full Name\",\n \"address\": \"Full Address\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"gender\": \"Male/Female\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"aadhaar_number\\\": \\\"123456789012\\\",\\n \\\"name\\\": \\\"Full Name\\\",\\n \\\"address\\\": \\\"Full Address\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\",\\n \\\"gender\\\": \\\"Male/Female\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 388, \"completion_tokens\": 54, \"total_tokens\": 442, \"estimated_cost\": {\"amount\": 9.1e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"aadhaar_number\": \"123456789012\",\n \"name\": \"Full Name\",\n \"address\": \"Full Address\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"gender\": \"Male/Female\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"aadhaar_number\\\": \\\"123456789012\\\",\\n \\\"name\\\": \\\"Full Name\\\",\\n \\\"address\\\": \\\"Full Address\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\",\\n \\\"gender\\\": \\\"Male/Female\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 388, \"completion_tokens\": 54, \"total_tokens\": 442, \"estimated_cost\": {\"amount\": 9.1e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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},
"extract_address_proof_info": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"address\": \"Full Address\",\n \"name\": \"Name on Document\",\n \"document_type\": \"utility_bill\",\n \"document_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Company Name\"\n}\n```",
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"system_message": "You are an expert document information extractor. Extract address proof information from the OCR text.\n\nExtract the following information:\n- Full address\n- Name on document\n- Document type (utility bill, bank statement, etc.)\n- Document date\n- Issuing authority/company\n\nReturn structured JSON with extracted information.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"address\": \"Full Address\",\n \"name\": \"Name on Document\",\n \"document_type\": \"utility_bill\",\n \"document_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Company Name\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"address\\\": \\\"Full Address\\\",\\n \\\"name\\\": \\\"Name on Document\\\",\\n \\\"document_type\\\": \\\"utility_bill\\\",\\n \\\"document_date\\\": \\\"DD/MM/YYYY\\\",\\n \\\"issuing_authority\\\": \\\"Company Name\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 773, \"completion_tokens\": 107, \"total_tokens\": 880, \"estimated_cost\": {\"amount\": 0.00018, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"address\": \"Full Address\",\n \"name\": \"Name on Document\",\n \"document_type\": \"utility_bill\",\n \"document_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Company Name\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"address\\\": \\\"Full Address\\\",\\n \\\"name\\\": \\\"Name on Document\\\",\\n \\\"document_type\\\": \\\"utility_bill\\\",\\n \\\"document_date\\\": \\\"DD/MM/YYYY\\\",\\n \\\"issuing_authority\\\": \\\"Company Name\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 773, \"completion_tokens\": 107, \"total_tokens\": 880, \"estimated_cost\": {\"amount\": 0.00018, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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},
"extract_application_info": {
"customer_info": {
"address": "123 Main St, City, State 12345",
"annual_income": 75000,
"customer_id": "CUST_12345",
"email": "john.doe@email.com",
"employment_status": "employed",
"full_name": "John Doe",
"loan_purpose": "home_purchase",
"phone": "+1-555-0123",
"requested_amount": 100000
},
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 100000}, \"missing_fields\": []}\n",
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},
"extraction_success": true,
"missing_fields": [],
"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 100000}, \"missing_fields\": []}\n",
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"extract_pan_info": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"pan_number\": \"ABCDE1234F\",\n \"name\": \"Full Name\",\n \"father_name\": \"Father Name\",\n \"date_of_birth\": \"DD/MM/YYYY\"\n}\n```",
"execution_details": {
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"system_message": "You are an expert document information extractor. Extract PAN card information from the OCR text.\n\nExtract the following information:\n- PAN number (10 character alphanumeric)\n- Full name as printed on card\n- Father\u0027s name\n- Date of birth (if visible)\n\nReturn structured JSON with extracted information.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"pan_number\": \"ABCDE1234F\",\n \"name\": \"Full Name\",\n \"father_name\": \"Father Name\",\n \"date_of_birth\": \"DD/MM/YYYY\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"pan_number\\\": \\\"ABCDE1234F\\\",\\n \\\"name\\\": \\\"Full Name\\\",\\n \\\"father_name\\\": \\\"Father Name\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 471, \"completion_tokens\": 45, \"total_tokens\": 516, \"estimated_cost\": {\"amount\": 9.8e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"pan_number\": \"ABCDE1234F\",\n \"name\": \"Full Name\",\n \"father_name\": \"Father Name\",\n \"date_of_birth\": \"DD/MM/YYYY\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"pan_number\\\": \\\"ABCDE1234F\\\",\\n \\\"name\\\": \\\"Full Name\\\",\\n \\\"father_name\\\": \\\"Father Name\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 471, \"completion_tokens\": 45, \"total_tokens\": 516, \"estimated_cost\": {\"amount\": 9.8e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_passport_info": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"passport_number\": \"A1234567\",\n \"full_name\": \"Full Name\",\n \"nationality\": \"Indian\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"expiry_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Government of India\"\n}\n```",
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"system_message": "You are an expert document information extractor. Extract passport information from the OCR text.\n\nExtract the following information:\n- Passport number\n- Full name as printed on passport\n- Nationality\n- Date of birth\n- Expiry date\n- Issuing authority\n\nReturn structured JSON with extracted information.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"passport_number\": \"A1234567\",\n \"full_name\": \"Full Name\",\n \"nationality\": \"Indian\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"expiry_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Government of India\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"passport_number\\\": \\\"A1234567\\\",\\n \\\"full_name\\\": \\\"Full Name\\\",\\n \\\"nationality\\\": \\\"Indian\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\",\\n \\\"expiry_date\\\": \\\"DD/MM/YYYY\\\",\\n \\\"issuing_authority\\\": \\\"Government of India\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 961, \"completion_tokens\": 112, \"total_tokens\": 1073, \"estimated_cost\": {\"amount\": 0.000211, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"passport_number\": \"A1234567\",\n \"full_name\": \"Full Name\",\n \"nationality\": \"Indian\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"expiry_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Government of India\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"passport_number\\\": \\\"A1234567\\\",\\n \\\"full_name\\\": \\\"Full Name\\\",\\n \\\"nationality\\\": \\\"Indian\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\",\\n \\\"expiry_date\\\": \\\"DD/MM/YYYY\\\",\\n \\\"issuing_authority\\\": \\\"Government of India\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 961, \"completion_tokens\": 112, \"total_tokens\": 1073, \"estimated_cost\": {\"amount\": 0.000211, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: Not applicable (application declined)\n- **Interest Rate**: Not applicable\n- **Repayment Period**: Not applicable\n\n#### Risk Mitigation Measures:\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\n\n#### Reasoning for Decision:\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\n\n2. **Document Verification Issues**: The verification process revealed critical failures:\n - PAN verification failed due to a script error.\n - Aadhaar verification was invalid due to mismatched address and missing documents.\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\n\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\n\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\n\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\n\n#### Confidence Level: 85\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.",
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"system_message": "You are a senior underwriting manager making final loan decisions.\n\nAnalyze all assessment results and provide:\n1. Final recommendation (APPROVE/CONDITIONAL/DECLINE)\n2. Loan terms and conditions\n3. Risk mitigation measures\n4. Reasoning for decision\n5. Confidence level (1-100)\n\nConsider all factors: income, credit, compliance, and overall risk profile.\n"
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: Not applicable (application declined)\n- **Interest Rate**: Not applicable\n- **Repayment Period**: Not applicable\n\n#### Risk Mitigation Measures:\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\n\n#### Reasoning for Decision:\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\n\n2. **Document Verification Issues**: The verification process revealed critical failures:\n - PAN verification failed due to a script error.\n - Aadhaar verification was invalid due to mismatched address and missing documents.\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\n\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\n\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\n\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\n\n#### Confidence Level: 85\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: Not applicable (application declined)\\n- **Interest Rate**: Not applicable\\n- **Repayment Period**: Not applicable\\n\\n#### Risk Mitigation Measures:\\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\\n\\n2. **Document Verification Issues**: The verification process revealed critical failures:\\n - PAN verification failed due to a script error.\\n - Aadhaar verification was invalid due to mismatched address and missing documents.\\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\\n\\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\\n\\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\\n\\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\\n\\n#### Confidence Level: 85\\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5453, \"completion_tokens\": 515, \"total_tokens\": 5968, \"estimated_cost\": {\"amount\": 0.001127, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: Not applicable (application declined)\n- **Interest Rate**: Not applicable\n- **Repayment Period**: Not applicable\n\n#### Risk Mitigation Measures:\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\n\n#### Reasoning for Decision:\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\n\n2. **Document Verification Issues**: The verification process revealed critical failures:\n - PAN verification failed due to a script error.\n - Aadhaar verification was invalid due to mismatched address and missing documents.\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\n\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\n\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\n\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\n\n#### Confidence Level: 85\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: Not applicable (application declined)\\n- **Interest Rate**: Not applicable\\n- **Repayment Period**: Not applicable\\n\\n#### Risk Mitigation Measures:\\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\\n\\n2. **Document Verification Issues**: The verification process revealed critical failures:\\n - PAN verification failed due to a script error.\\n - Aadhaar verification was invalid due to mismatched address and missing documents.\\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\\n\\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\\n\\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\\n\\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\\n\\n#### Confidence Level: 85\\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 5453, \"completion_tokens\": 515, \"total_tokens\": 5968, \"estimated_cost\": {\"amount\": 0.001127, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"flag_for_manual_review": {
"approval_date": "2024-07-15",
"approval_type": "automatic_complex_case",
"conditions": [
"Quarterly income verification for first year",
"Maintain minimum account balance",
"No additional loans for 12 months",
"Property insurance with bank as beneficiary"
],
"decision": "AUTO_APPROVED_WITH_CONDITIONS",
"execution_details": {
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 100000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 454.17, \"processing_fee\": 1200.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"interest_rate": 9.0,
"loan_amount": 100000,
"monthly_emi": 454.17,
"notes": "Auto-approved with enhanced monitoring due to complex risk factors",
"offer_validity": "2024-08-10",
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 100000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 454.17, \"processing_fee\": 1200.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"decision_summary": {
"compliance_status": "compliant",
"credit_score": 337.9,
"debt_to_income_ratio": 0.4142156862745098,
"risk_category": "high"
},
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"agent_type": "assistant",
"ai_response": "```json\n{\n \"income_assessment\": {\n \"income_stability_assessment\": {\n \"salary_analysis\": {\n \"annual_net\": 81600,\n \"monthly_net\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true\n },\n \"bank_statement_analysis\": {\n \"average_monthly_credits\": 7200,\n \"account_balance_trend\": \"stable\",\n \"loan_emis_detected\": 2,\n \"bounced_transactions\": 0,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"income_growth_trend\": \"positive\",\n \"returns_filed_consistently\": true\n },\n \"overall_stability_score\": 90\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2816.67,\n \"proposed_emi\": 416.67,\n \"debt_to_income_ratio\": 0.4142,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": false,\n \"debt_servicing_capability_score\": 65\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"irregular_transactions\": false\n },\n \"tax_compliance_score\": 92.0,\n \"job_stability_score\": 88.5,\n \"overall_financial_discipline_score\": 85.5\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [\n \"Debt-to-income ratio exceeds acceptable limits\",\n \"Existing debt payments are significant relative to income\"\n ],\n \"recommendations\": [\n \"Consider reducing existing debt obligations\",\n \"Explore options for increasing income or securing a higher-paying position\",\n \"Monitor financial discipline and maintain a stable account balance\"\n ]\n },\n \"overall_income_adequacy_score\": 75\n }\n}\n```",
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"system_message": "You are a senior financial analyst specializing in income assessment for loan underwriting.\n\nAnalyze the provided income data and provide:\n1. Income stability assessment\n2. Debt servicing capability\n3. Financial discipline evaluation\n4. Risk factors and recommendations\n5. Overall income adequacy score (1-100)\n\nReturn a detailed JSON assessment.\n"
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"output": "```json\n{\n \"income_assessment\": {\n \"income_stability_assessment\": {\n \"salary_analysis\": {\n \"annual_net\": 81600,\n \"monthly_net\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true\n },\n \"bank_statement_analysis\": {\n \"average_monthly_credits\": 7200,\n \"account_balance_trend\": \"stable\",\n \"loan_emis_detected\": 2,\n \"bounced_transactions\": 0,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"income_growth_trend\": \"positive\",\n \"returns_filed_consistently\": true\n },\n \"overall_stability_score\": 90\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2816.67,\n \"proposed_emi\": 416.67,\n \"debt_to_income_ratio\": 0.4142,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": false,\n \"debt_servicing_capability_score\": 65\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"irregular_transactions\": false\n },\n \"tax_compliance_score\": 92.0,\n \"job_stability_score\": 88.5,\n \"overall_financial_discipline_score\": 85.5\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [\n \"Debt-to-income ratio exceeds acceptable limits\",\n \"Existing debt payments are significant relative to income\"\n ],\n \"recommendations\": [\n \"Consider reducing existing debt obligations\",\n \"Explore options for increasing income or securing a higher-paying position\",\n \"Monitor financial discipline and maintain a stable account balance\"\n ]\n },\n \"overall_income_adequacy_score\": 75\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability_assessment\\\": {\\n \\\"salary_analysis\\\": {\\n \\\"annual_net\\\": 81600,\\n \\\"monthly_net\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true\\n },\\n \\\"bank_statement_analysis\\\": {\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"loan_emis_detected\\\": 2,\\n \\\"bounced_transactions\\\": 0,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_stability_score\\\": 90\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2816.67,\\n \\\"proposed_emi\\\": 416.67,\\n \\\"debt_to_income_ratio\\\": 0.4142,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": false,\\n \\\"debt_servicing_capability_score\\\": 65\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"irregular_transactions\\\": false\\n },\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"overall_financial_discipline_score\\\": 85.5\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [\\n \\\"Debt-to-income ratio exceeds acceptable limits\\\",\\n \\\"Existing debt payments are significant relative to income\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing existing debt obligations\\\",\\n \\\"Explore options for increasing income or securing a higher-paying position\\\",\\n \\\"Monitor financial discipline and maintain a stable account balance\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 75\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1240, \"completion_tokens\": 487, \"total_tokens\": 1727, \"estimated_cost\": {\"amount\": 0.000478, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"income_assessment\": {\n \"income_stability_assessment\": {\n \"salary_analysis\": {\n \"annual_net\": 81600,\n \"monthly_net\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true\n },\n \"bank_statement_analysis\": {\n \"average_monthly_credits\": 7200,\n \"account_balance_trend\": \"stable\",\n \"loan_emis_detected\": 2,\n \"bounced_transactions\": 0,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"income_growth_trend\": \"positive\",\n \"returns_filed_consistently\": true\n },\n \"overall_stability_score\": 90\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2816.67,\n \"proposed_emi\": 416.67,\n \"debt_to_income_ratio\": 0.4142,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": false,\n \"debt_servicing_capability_score\": 65\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"irregular_transactions\": false\n },\n \"tax_compliance_score\": 92.0,\n \"job_stability_score\": 88.5,\n \"overall_financial_discipline_score\": 85.5\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [\n \"Debt-to-income ratio exceeds acceptable limits\",\n \"Existing debt payments are significant relative to income\"\n ],\n \"recommendations\": [\n \"Consider reducing existing debt obligations\",\n \"Explore options for increasing income or securing a higher-paying position\",\n \"Monitor financial discipline and maintain a stable account balance\"\n ]\n },\n \"overall_income_adequacy_score\": 75\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability_assessment\\\": {\\n \\\"salary_analysis\\\": {\\n \\\"annual_net\\\": 81600,\\n \\\"monthly_net\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true\\n },\\n \\\"bank_statement_analysis\\\": {\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"loan_emis_detected\\\": 2,\\n \\\"bounced_transactions\\\": 0,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_stability_score\\\": 90\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2816.67,\\n \\\"proposed_emi\\\": 416.67,\\n \\\"debt_to_income_ratio\\\": 0.4142,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": false,\\n \\\"debt_servicing_capability_score\\\": 65\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"irregular_transactions\\\": false\\n },\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"overall_financial_discipline_score\\\": 85.5\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [\\n \\\"Debt-to-income ratio exceeds acceptable limits\\\",\\n \\\"Existing debt payments are significant relative to income\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing existing debt obligations\\\",\\n \\\"Explore options for increasing income or securing a higher-paying position\\\",\\n \\\"Monitor financial discipline and maintain a stable account balance\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 75\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1240, \"completion_tokens\": 487, \"total_tokens\": 1727, \"estimated_cost\": {\"amount\": 0.000478, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "income_assessment",
"token_usage": {
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"estimated_cost": {
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},
"model": "gpt-4o-mini",
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"provider": "openai",
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}
},
"internal_policy_check": {
"age_criteria_met": true,
"credit_score_threshold_met": true,
"employment_criteria_met": true,
"exceptions_required": [],
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
"return_code": 0,
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},
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},
"geographic_restrictions_met": true,
"income_criteria_met": true,
"loan_amount_within_limits": true,
"ltv_ratio_acceptable": true,
"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
"policy_compliance_score": 95.5,
"policy_version": "2024.1",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "internal_policy_check"
},
"kyc_compliance_check": {
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"compliance_score": 98.5,
"documents_complete": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
"return_code": 0,
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},
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"workers_notified": true
},
"identity_verified": true,
"income_verified": true,
"kyc_status": "compliant",
"last_updated": "2024-07-15",
"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
"regulatory_requirements_met": true,
"return_code": 0,
"risk_category": "low",
"status": "completed",
"stderr": "",
"task_id": "kyc_compliance_check"
},
"ocr_aadhaar_card": {
"error": null,
"execution_details": {
"actual_result": {
"error": null,
"result": [
{
"annotations": null,
"text": "Error performing OCR: Invalid URL format. URL must start with \u0027http://\u0027 or \u0027https://\u0027",
"type": "text"
}
],
"status": "success",
"tool_name": "ocr_image_url"
},
"duration_seconds": 0.266078,
"end_time": "2025-07-16T08:09:03.861213",
"message_sent": true,
"start_time": "2025-07-16T08:09:03.595135",
"timestamp": "2025-07-16T08:09:03.861213",
"worker_executed": true,
"workers_notified": true
},
"output": "Task completed successfully",
"result": [
{
"annotations": null,
"text": "Error performing OCR: Invalid URL format. URL must start with \u0027http://\u0027 or \u0027https://\u0027",
"type": "text"
}
],
"return_code": 0,
"status": "success",
"stderr": "",
"task_id": "ocr_aadhaar_card",
"tool_name": "ocr_image_url"
},
"ocr_address_proof": {
"error": null,
"execution_details": {
"actual_result": {
"error": null,
"result": [
{
"annotations": null,
"text": "Error performing OCR: Invalid URL format. URL must start with \u0027http://\u0027 or \u0027https://\u0027",
"type": "text"
}
],
"status": "success",
"tool_name": "ocr_image_url"
},
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"timestamp": "2025-07-16T08:09:04.900429",
"worker_executed": true,
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},
"output": "Task completed successfully",
"result": [
{
"annotations": null,
"text": "Error performing OCR: Invalid URL format. URL must start with \u0027http://\u0027 or \u0027https://\u0027",
"type": "text"
}
],
"return_code": 0,
"status": "success",
"stderr": "",
"task_id": "ocr_address_proof",
"tool_name": "ocr_image_url"
},
"ocr_pan_card": {
"error": "MCP tool execution failed: Tool execution failed: \u0027NoneType\u0027 object has no attribute \u0027post\u0027",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: MCP tool execution failed: Tool execution failed: \u0027NoneType\u0027 object has no attribute \u0027post\u0027",
"status": "FAILED",
"task_id": "ocr_pan_card"
},
"ocr_passport": {
"error": "MCP tool execution failed: Tool execution failed: \u0027NoneType\u0027 object has no attribute \u0027post\u0027",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: MCP tool execution failed: Tool execution failed: \u0027NoneType\u0027 object has no attribute \u0027post\u0027",
"status": "FAILED",
"task_id": "ocr_passport"
},
"regulatory_compliance": {
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"compliance_score": 97.2,
"consumer_protection_compliant": true,
"data_privacy_compliant": true,
"disclosure_requirements_met": true,
"documentation_complete": true,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"rbi_guidelines_met\": true, \"lending_norms_compliant\": true, \"documentation_complete\": true, \"disclosure_requirements_met\": true, \"consumer_protection_compliant\": true, \"data_privacy_compliant\": true, \"compliance_score\": 97.2, \"audit_trail_complete\": true, \"regulatory_risk\": \"minimal\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.209043,
"end_time": "2025-07-16T08:15:41.849156",
"message_sent": true,
"start_time": "2025-07-16T08:15:41.640113",
"timestamp": "2025-07-16T08:15:41.849156",
"worker_executed": true,
"workers_notified": true
},
"lending_norms_compliant": true,
"output": "__OUTPUTS__ {\"rbi_guidelines_met\": true, \"lending_norms_compliant\": true, \"documentation_complete\": true, \"disclosure_requirements_met\": true, \"consumer_protection_compliant\": true, \"data_privacy_compliant\": true, \"compliance_score\": 97.2, \"audit_trail_complete\": true, \"regulatory_risk\": \"minimal\"}\n",
"rbi_guidelines_met": true,
"regulatory_risk": "minimal",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "regulatory_compliance"
},
"status": "FAILED",
"task_outputs": {
"aml_screening": {
"adverse_media": "no_hits",
"aml_status": "cleared",
"compliance_score": 96.8,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.199742,
"end_time": "2025-07-16T08:15:41.608842",
"message_sent": true,
"start_time": "2025-07-16T08:15:41.409100",
"timestamp": "2025-07-16T08:15:41.608842",
"worker_executed": true,
"workers_notified": true
},
"manual_review_required": false,
"output": "__OUTPUTS__ {\"aml_status\": \"cleared\", \"watchlist_check\": \"no_matches\", \"pep_screening\": \"not_identified\", \"sanctions_check\": \"cleared\", \"adverse_media\": \"no_hits\", \"risk_rating\": \"low\", \"compliance_score\": 96.8, \"screening_date\": \"2024-07-15\", \"manual_review_required\": false}\n",
"pep_screening": "not_identified",
"return_code": 0,
"risk_rating": "low",
"sanctions_check": "cleared",
"screening_date": "2024-07-15",
"status": "completed",
"stderr": "",
"task_id": "aml_screening",
"watchlist_check": "no_matches"
},
"analyze_bank_statements": {
"account_balance_trend": "stable",
"average_monthly_credits": 7200,
"bounced_transactions": 0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.485668,
"end_time": "2025-07-16T08:15:12.388196",
"message_sent": true,
"start_time": "2025-07-16T08:15:11.902528",
"timestamp": "2025-07-16T08:15:12.388196",
"worker_executed": true,
"workers_notified": true
},
"financial_discipline_score": 85.5,
"irregular_transactions": false,
"loan_emis_detected": 2,
"maximum_balance": 45000,
"minimum_balance": 15000,
"output": "__OUTPUTS__ {\"average_monthly_credits\": 7200, \"salary_credits_consistent\": true, \"account_balance_trend\": \"stable\", \"minimum_balance\": 15000, \"maximum_balance\": 45000, \"bounced_transactions\": 0, \"loan_emis_detected\": 2, \"total_monthly_debits\": 5800, \"financial_discipline_score\": 85.5, \"irregular_transactions\": false}\n",
"return_code": 0,
"salary_credits_consistent": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_bank_statements",
"total_monthly_debits": 5800
},
"analyze_credit_history": {
"average_account_age": "32 months",
"credit_limit_utilization": 35.2,
"credit_mix": {
"auto_loans": 1,
"credit_cards": 3,
"home_loans": 0,
"other": 1,
"personal_loans": 1
},
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.184248,
"end_time": "2025-07-16T08:15:25.382331",
"message_sent": true,
"start_time": "2025-07-16T08:15:25.198083",
"timestamp": "2025-07-16T08:15:25.382331",
"worker_executed": true,
"workers_notified": true
},
"oldest_account_age": "60 months",
"output": "__OUTPUTS__ {\"oldest_account_age\": \"60 months\", \"average_account_age\": \"32 months\", \"credit_mix\": {\"credit_cards\": 3, \"personal_loans\": 1, \"auto_loans\": 1, \"home_loans\": 0, \"other\": 1}, \"repayment_behavior\": {\"never_missed\": 85.0, \"30_days_late\": 12.0, \"60_days_late\": 2.5, \"90_days_late\": 0.5, \"defaults\": 0.0}, \"credit_limit_utilization\": 35.2, \"recent_credit_behavior\": \"stable\"}\n",
"recent_credit_behavior": "stable",
"repayment_behavior": {
"30_days_late": 12.0,
"60_days_late": 2.5,
"90_days_late": 0.5,
"defaults": 0.0,
"never_missed": 85.0
},
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "analyze_credit_history"
},
"analyze_salary_slips": {
"annual_gross": 102000,
"annual_net": 81600,
"deductions": {
"insurance": 300,
"pf": 500,
"tax": 1200
},
"employer": "Tech Corp Ltd",
"employment_duration": "2.5 years",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.407906,
"end_time": "2025-07-16T08:15:12.234717",
"message_sent": true,
"start_time": "2025-07-16T08:15:11.826811",
"timestamp": "2025-07-16T08:15:12.234717",
"worker_executed": true,
"workers_notified": true
},
"monthly_gross": 8500,
"monthly_net": 6800,
"output": "__OUTPUTS__ {\"monthly_gross\": 8500, \"monthly_net\": 6800, \"annual_gross\": 102000, \"annual_net\": 81600, \"employer\": \"Tech Corp Ltd\", \"employment_duration\": \"2.5 years\", \"salary_consistency\": true, \"recent_increment\": true, \"deductions\": {\"tax\": 1200, \"pf\": 500, \"insurance\": 300}}\n",
"recent_increment": true,
"return_code": 0,
"salary_consistency": true,
"status": "completed",
"stderr": "",
"task_id": "analyze_salary_slips"
},
"application_quality_check": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100%\",\n \"accuracy\": \"All provided information appears accurate and valid.\"\n },\n \"consistency_of_information\": {\n \"email\": \"Valid format\",\n \"phone\": \"Valid format\",\n \"address\": \"Complete and formatted correctly\",\n \"full_name\": \"Matches customer_id\",\n \"loan_purpose\": \"Appropriate for requested amount\",\n \"annual_income\": \"Consistent with loan purpose\",\n \"requested_amount\": \"Within reasonable limits for income\",\n \"employment_status\": \"Aligned with loan purpose\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": []\n },\n \"overall_application_quality_score\": 95\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 469,
"model": "gpt-4o-mini",
"output_length": 700,
"provider": "openai",
"system_message": "You are an expert uan underwriting analyst. Review the application data and assess its quality.\n\nEvaluate:\n1. Data completeness and accuracy\n2. Consistency of information\n3. Red flags or inconsistencies\n4. Overall application quality score (1-100)\n\nReturn a JSON response with your assessment.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100%\",\n \"accuracy\": \"All provided information appears accurate and valid.\"\n },\n \"consistency_of_information\": {\n \"email\": \"Valid format\",\n \"phone\": \"Valid format\",\n \"address\": \"Complete and formatted correctly\",\n \"full_name\": \"Matches customer_id\",\n \"loan_purpose\": \"Appropriate for requested amount\",\n \"annual_income\": \"Consistent with loan purpose\",\n \"requested_amount\": \"Within reasonable limits for income\",\n \"employment_status\": \"Aligned with loan purpose\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": []\n },\n \"overall_application_quality_score\": 95\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100%\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate and valid.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"Valid format\\\",\\n \\\"phone\\\": \\\"Valid format\\\",\\n \\\"address\\\": \\\"Complete and formatted correctly\\\",\\n \\\"full_name\\\": \\\"Matches customer_id\\\",\\n \\\"loan_purpose\\\": \\\"Appropriate for requested amount\\\",\\n \\\"annual_income\\\": \\\"Consistent with loan purpose\\\",\\n \\\"requested_amount\\\": \\\"Within reasonable limits for income\\\",\\n \\\"employment_status\\\": \\\"Aligned with loan purpose\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": []\\n },\\n \\\"overall_application_quality_score\\\": 95\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 169, \"total_tokens\": 369, \"estimated_cost\": {\"amount\": 0.000131, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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"status": "completed",
"stderr": "",
"token_usage": {
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"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 369
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"duration_seconds": 8.877098,
"end_time": "2025-07-16T08:09:02.823243",
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"timestamp": "2025-07-16T08:09:02.823243",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"completeness\": \"100%\",\n \"accuracy\": \"All provided information appears accurate and valid.\"\n },\n \"consistency_of_information\": {\n \"email\": \"Valid format\",\n \"phone\": \"Valid format\",\n \"address\": \"Complete and formatted correctly\",\n \"full_name\": \"Matches customer_id\",\n \"loan_purpose\": \"Appropriate for requested amount\",\n \"annual_income\": \"Consistent with loan purpose\",\n \"requested_amount\": \"Within reasonable limits for income\",\n \"employment_status\": \"Aligned with loan purpose\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"inconsistencies\": []\n },\n \"overall_application_quality_score\": 95\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"completeness\\\": \\\"100%\\\",\\n \\\"accuracy\\\": \\\"All provided information appears accurate and valid.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"email\\\": \\\"Valid format\\\",\\n \\\"phone\\\": \\\"Valid format\\\",\\n \\\"address\\\": \\\"Complete and formatted correctly\\\",\\n \\\"full_name\\\": \\\"Matches customer_id\\\",\\n \\\"loan_purpose\\\": \\\"Appropriate for requested amount\\\",\\n \\\"annual_income\\\": \\\"Consistent with loan purpose\\\",\\n \\\"requested_amount\\\": \\\"Within reasonable limits for income\\\",\\n \\\"employment_status\\\": \\\"Aligned with loan purpose\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"inconsistencies\\\": []\\n },\\n \\\"overall_application_quality_score\\\": 95\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 200, \"completion_tokens\": 169, \"total_tokens\": 369, \"estimated_cost\": {\"amount\": 0.000131, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
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"task_id": "application_quality_check",
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},
"model": "gpt-4o-mini",
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"provider": "openai",
"total_tokens": 369
}
},
"assess_existing_loans": {
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"return_code": 0,
"status": "completed",
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},
"duration_seconds": 0.193944,
"end_time": "2025-07-16T08:15:25.608854",
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"timestamp": "2025-07-16T08:15:25.608854",
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},
"loan_burden_ratio": 0.28,
"loan_details": [
{
"emi": 3500,
"outstanding": 45000,
"remaining_tenure": "18 months",
"type": "personal_loan"
},
{
"emi": 4200,
"outstanding": 80000,
"remaining_tenure": "24 months",
"type": "auto_loan"
}
],
"number_of_loans": 2,
"output": "__OUTPUTS__ {\"total_outstanding\": 125000, \"number_of_loans\": 2, \"loan_details\": [{\"type\": \"personal_loan\", \"outstanding\": 45000, \"emi\": 3500, \"remaining_tenure\": \"18 months\"}, {\"type\": \"auto_loan\", \"outstanding\": 80000, \"emi\": 4200, \"remaining_tenure\": \"24 months\"}], \"total_monthly_emi\": 7700, \"repayment_track_record\": \"excellent\", \"loan_burden_ratio\": 0.28}\n",
"repayment_track_record": "excellent",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "assess_existing_loans",
"total_monthly_emi": 7700,
"total_outstanding": 125000
},
"calculate_credit_score": {
"cibil_score": 720,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
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"end_time": "2025-07-16T08:15:41.135917",
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"timestamp": "2025-07-16T08:15:41.135917",
"worker_executed": true,
"workers_notified": true
},
"internal_credit_score": 337.9,
"min_required_score": 650,
"output": "__OUTPUTS__ {\"internal_credit_score\": 337.9, \"cibil_score\": 720, \"score_acceptable\": false, \"min_required_score\": 650, \"risk_category\": \"high\", \"scoring_factors\": {\"cibil_contribution\": 288.0, \"payment_history_contribution\": 29.7, \"utilization_contribution\": 12.96, \"loan_burden_contribution\": 7.2}}\n",
"return_code": 0,
"risk_category": "high",
"score_acceptable": false,
"scoring_factors": {
"cibil_contribution": 288.0,
"loan_burden_contribution": 7.2,
"payment_history_contribution": 29.7,
"utilization_contribution": 12.96
},
"status": "completed",
"stderr": "",
"task_id": "calculate_credit_score"
},
"calculate_debt_to_income": {
"debt_to_income_ratio": 0.4142156862745098,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 416.6666666666667, \"total_debt_payments\": 2816.6666666666665, \"debt_to_income_ratio\": 0.4142156862745098, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.25714,
"end_time": "2025-07-16T08:15:12.714089",
"message_sent": true,
"start_time": "2025-07-16T08:15:12.456949",
"timestamp": "2025-07-16T08:15:12.714089",
"worker_executed": true,
"workers_notified": true
},
"existing_debt_payments": 2400,
"max_allowed_ratio": 0.4,
"monthly_net_income": 6800,
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 416.6666666666667, \"total_debt_payments\": 2816.6666666666665, \"debt_to_income_ratio\": 0.4142156862745098, \"ratio_acceptable\": false, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 416.6666666666667,
"ratio_acceptable": false,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2816.6666666666665
},
"check_cibil_score": {
"active_accounts": 6,
"closed_accounts": 2,
"credit_history_length": "5 years",
"credit_score": 720,
"credit_utilization": 35.5,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.189842,
"end_time": "2025-07-16T08:15:25.164857",
"message_sent": true,
"start_time": "2025-07-16T08:15:24.975015",
"timestamp": "2025-07-16T08:15:25.164857",
"worker_executed": true,
"workers_notified": true
},
"last_updated": "2024-06-01",
"output": "__OUTPUTS__ {\"credit_score\": 720, \"score_range\": \"Good\", \"last_updated\": \"2024-06-01\", \"credit_history_length\": \"5 years\", \"total_accounts\": 8, \"active_accounts\": 6, \"closed_accounts\": 2, \"credit_utilization\": 35.5, \"payment_history\": \"99% on-time\", \"recent_inquiries\": 2}\n",
"payment_history": "99% on-time",
"recent_inquiries": 2,
"return_code": 0,
"score_range": "Good",
"status": "completed",
"stderr": "",
"task_id": "check_cibil_score",
"total_accounts": 8
},
"compliance_consolidation": {
"agent_type": "assistant",
"ai_response": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with the application\",\n \"reason\": \"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\"\n },\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 1347,
"model": "gpt-4o-mini",
"output_length": 1299,
"provider": "openai",
"system_message": "You are a compliance officer specializing in loan underwriting compliance.\n\nReview all compliance check results and provide:\n1. Overall compliance status\n2. Risk assessment\n3. Any compliance gaps or concerns\n4. Recommendations for proceeding\n5. Compliance confidence score (1-100)\n\nReturn a comprehensive compliance assessment in JSON format.\n"
},
"input_format": "json",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with the application\",\n \"reason\": \"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\"\n },\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with the application\\\",\\n \\\"reason\\\": \\\"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2467, \"completion_tokens\": 301, \"total_tokens\": 2768, \"estimated_cost\": {\"amount\": 0.000551, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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},
"model": "gpt-4o-mini",
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}
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"model": "gpt-4o-mini",
"model_client_id": "compliance_reviewer",
"output": "Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\n\n```json\n{\n \"overall_compliance_status\": \"Compliant\",\n \"risk_assessment\": {\n \"overall_risk_category\": \"Low\",\n \"kyc_risk\": \"Low\",\n \"aml_risk\": \"Low\",\n \"regulatory_risk\": \"Minimal\",\n \"internal_policy_risk\": \"Low\"\n },\n \"compliance_gaps_or_concerns\": [],\n \"recommendations_for_proceeding\": {\n \"action\": \"Proceed with the application\",\n \"reason\": \"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\"\n },\n \"compliance_confidence_score\": 97.5\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided compliance check results, here is a comprehensive compliance assessment in JSON format:\\n\\n```json\\n{\\n \\\"overall_compliance_status\\\": \\\"Compliant\\\",\\n \\\"risk_assessment\\\": {\\n \\\"overall_risk_category\\\": \\\"Low\\\",\\n \\\"kyc_risk\\\": \\\"Low\\\",\\n \\\"aml_risk\\\": \\\"Low\\\",\\n \\\"regulatory_risk\\\": \\\"Minimal\\\",\\n \\\"internal_policy_risk\\\": \\\"Low\\\"\\n },\\n \\\"compliance_gaps_or_concerns\\\": [],\\n \\\"recommendations_for_proceeding\\\": {\\n \\\"action\\\": \\\"Proceed with the application\\\",\\n \\\"reason\\\": \\\"All compliance checks indicate a low risk and high compliance scores across KYC, AML, regulatory, and internal policy assessments.\\\"\\n },\\n \\\"compliance_confidence_score\\\": 97.5\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary regulations and internal policies.\\n2. **Risk Assessment**: All risk categories (KYC, AML, Regulatory, Internal Policy) are rated as low or minimal, indicating a strong compliance posture.\\n3. **Compliance Gaps or Concerns**: No gaps or concerns were identified in the compliance checks.\\n4. **Recommendations for Proceeding**: It is recommended to proceed with the application as all checks are satisfactory.\\n5. **Compliance Confidence Score**: A score of 97.5 reflects a high level of confidence in the compliance status of the application.\", \"model_client_id\": \"compliance_reviewer\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 2467, \"completion_tokens\": 301, \"total_tokens\": 2768, \"estimated_cost\": {\"amount\": 0.000551, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"consolidate_document_verification": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"overall_verification_success_rate\": 25,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"status\": \"failed\",\n \"error\": \"Python script error due to NameError\"\n },\n \"aadhaar_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"URL not provided\",\n \"Address does not match\",\n \"Document not found\"\n ]\n },\n \"passport_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Passport not provided\",\n \"Document not found\"\n ]\n },\n \"address_proof\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Address proof URL not provided\",\n \"Document not found\"\n ]\n }\n },\n \"risk_factors_identified\": [\n \"Multiple documents failed verification\",\n \"Lack of essential documents (Aadhaar, Passport, Address Proof)\",\n \"Potential identity verification issues due to missing or invalid documents\"\n ],\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application\",\n \"reason\": \"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\"\n }\n}\n```",
"execution_details": {
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"agent_type": "assistant",
"input_length": 1784,
"model": "gpt-4o-mini",
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"provider": "openai",
"system_message": "You are a document verification specialist. Analyze all document verification results and provide a comprehensive assessment.\n\nConsider:\n1. Overall verification success rate\n2. Consistency across documents\n3. Risk factors identified\n4. Recommendation for proceeding\n\nReturn a JSON response with your analysis.\n"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"overall_verification_success_rate\": 25,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"status\": \"failed\",\n \"error\": \"Python script error due to NameError\"\n },\n \"aadhaar_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"URL not provided\",\n \"Address does not match\",\n \"Document not found\"\n ]\n },\n \"passport_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Passport not provided\",\n \"Document not found\"\n ]\n },\n \"address_proof\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Address proof URL not provided\",\n \"Document not found\"\n ]\n }\n },\n \"risk_factors_identified\": [\n \"Multiple documents failed verification\",\n \"Lack of essential documents (Aadhaar, Passport, Address Proof)\",\n \"Potential identity verification issues due to missing or invalid documents\"\n ],\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application\",\n \"reason\": \"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 25,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"status\\\": \\\"failed\\\",\\n \\\"error\\\": \\\"Python script error due to NameError\\\"\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"URL not provided\\\",\\n \\\"Address does not match\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"passport_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Passport not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"address_proof\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Address proof URL not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n \\\"Multiple documents failed verification\\\",\\n \\\"Lack of essential documents (Aadhaar, Passport, Address Proof)\\\",\\n \\\"Potential identity verification issues due to missing or invalid documents\\\"\\n ],\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application\\\",\\n \\\"reason\\\": \\\"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1024, \"completion_tokens\": 277, \"total_tokens\": 1301, \"estimated_cost\": {\"amount\": 0.00032, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 25,\n \"consistency_across_documents\": {\n \"pan_verification\": {\n \"status\": \"failed\",\n \"error\": \"Python script error due to NameError\"\n },\n \"aadhaar_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"URL not provided\",\n \"Address does not match\",\n \"Document not found\"\n ]\n },\n \"passport_verification\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Passport not provided\",\n \"Document not found\"\n ]\n },\n \"address_proof\": {\n \"status\": \"invalid\",\n \"issues\": [\n \"Address proof URL not provided\",\n \"Document not found\"\n ]\n }\n },\n \"risk_factors_identified\": [\n \"Multiple documents failed verification\",\n \"Lack of essential documents (Aadhaar, Passport, Address Proof)\",\n \"Potential identity verification issues due to missing or invalid documents\"\n ],\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application\",\n \"reason\": \"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 25,\\n \\\"consistency_across_documents\\\": {\\n \\\"pan_verification\\\": {\\n \\\"status\\\": \\\"failed\\\",\\n \\\"error\\\": \\\"Python script error due to NameError\\\"\\n },\\n \\\"aadhaar_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"URL not provided\\\",\\n \\\"Address does not match\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"passport_verification\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Passport not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n },\\n \\\"address_proof\\\": {\\n \\\"status\\\": \\\"invalid\\\",\\n \\\"issues\\\": [\\n \\\"Address proof URL not provided\\\",\\n \\\"Document not found\\\"\\n ]\\n }\\n },\\n \\\"risk_factors_identified\\\": [\\n \\\"Multiple documents failed verification\\\",\\n \\\"Lack of essential documents (Aadhaar, Passport, Address Proof)\\\",\\n \\\"Potential identity verification issues due to missing or invalid documents\\\"\\n ],\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application\\\",\\n \\\"reason\\\": \\\"Insufficient and invalid documentation raises significant risk of identity fraud and non-compliance with verification standards. Recommend obtaining valid documents and reapplying.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1024, \"completion_tokens\": 277, \"total_tokens\": 1301, \"estimated_cost\": {\"amount\": 0.00032, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 125000\n- **Number of Loans**: 2\n\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\n\n### Risk Score Calculation\nConsidering all the factors:\n- **Credit Score**: 20 (Good)\n- **Repayment Patterns**: 10 (Excellent)\n- **Credit Utilization**: 15 (Acceptable)\n- **Existing Loan Burden**: 10 (Manageable)\n- **Overall Risk Profile**: 10 (Stable)\n\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\n\n### Recommendations\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\n\n### Conclusion\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.",
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"system_message": "You are a credit risk assessment specialist. Analyze the provided credit data and calculate default risk.\n\nConsider:\n1. Credit score and history\n2. Repayment patterns\n3. Credit utilization\n4. Existing loan burden\n5. Overall risk profile\n\nProvide a risk score (1-100, where 100 is highest risk) and detailed risk analysis.\n"
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 125000\n- **Number of Loans**: 2\n\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\n\n### Risk Score Calculation\nConsidering all the factors:\n- **Credit Score**: 20 (Good)\n- **Repayment Patterns**: 10 (Excellent)\n- **Credit Utilization**: 15 (Acceptable)\n- **Existing Loan Burden**: 10 (Manageable)\n- **Overall Risk Profile**: 10 (Stable)\n\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\n\n### Recommendations\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\n\n### Conclusion\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 125000\\n- **Number of Loans**: 2\\n\\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\\n\\n### Risk Score Calculation\\nConsidering all the factors:\\n- **Credit Score**: 20 (Good)\\n- **Repayment Patterns**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Acceptable)\\n- **Existing Loan Burden**: 10 (Manageable)\\n- **Overall Risk Profile**: 10 (Stable)\\n\\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\\n\\n### Recommendations\\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\\n\\n### Conclusion\\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1677, \"completion_tokens\": 813, \"total_tokens\": 2490, \"estimated_cost\": {\"amount\": 0.000739, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\n- **Recent Inquiries**: 2\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\n\n### 2. Repayment Patterns\n- **Defaults**: 0.0%\n- **30 Days Late**: 12.0%\n- **60 Days Late**: 2.5%\n- **90 Days Late**: 0.5%\n- **Never Missed Payments**: 85.0%\n\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Outstanding Loans**: 125000\n- **Number of Loans**: 2\n\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\n\n### 5. Overall Risk Profile\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\n\n### Risk Score Calculation\nConsidering all the factors:\n- **Credit Score**: 20 (Good)\n- **Repayment Patterns**: 10 (Excellent)\n- **Credit Utilization**: 15 (Acceptable)\n- **Existing Loan Burden**: 10 (Manageable)\n- **Overall Risk Profile**: 10 (Stable)\n\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\n\n### Recommendations\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\n\n### Conclusion\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we will analyze the default risk using the following factors: credit score and history, repayment patterns, credit utilization, existing loan burden, and overall risk profile.\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n- **Total Accounts**: 8 (Active: 6, Closed: 2)\\n- **Recent Inquiries**: 2\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating a lower likelihood of default. The payment history is excellent, with 99% on-time payments, and a reasonable credit utilization of 35.5% suggests that the individual is managing their credit well.\\n\\n### 2. Repayment Patterns\\n- **Defaults**: 0.0%\\n- **30 Days Late**: 12.0%\\n- **60 Days Late**: 2.5%\\n- **90 Days Late**: 0.5%\\n- **Never Missed Payments**: 85.0%\\n\\n**Analysis**: The repayment behavior shows a strong track record, with no defaults and a high percentage of on-time payments. The few late payments (12% at 30 days and 2.5% at 60 days) indicate some minor issues, but overall, the repayment behavior is stable.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization ratio of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This indicates that the individual is not over-leveraging their credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Outstanding Loans**: 125000\\n- **Number of Loans**: 2\\n\\n**Analysis**: The loan burden ratio of 28% is below the generally acceptable threshold of 40%, indicating that the individual is capable of managing their existing debt obligations. The repayment track record is excellent, which further supports their ability to service existing loans.\\n\\n### 5. Overall Risk Profile\\n- **Income Stability**: The individual has a stable income with a good financial discipline score (85.5).\\n- **Debt-to-Income Ratio**: The debt-to-income ratio is acceptable, and the overall financial discipline is strong.\\n\\n### Risk Score Calculation\\nConsidering all the factors:\\n- **Credit Score**: 20 (Good)\\n- **Repayment Patterns**: 10 (Excellent)\\n- **Credit Utilization**: 15 (Acceptable)\\n- **Existing Loan Burden**: 10 (Manageable)\\n- **Overall Risk Profile**: 10 (Stable)\\n\\n**Total Risk Score**: 20 + 10 + 15 + 10 + 10 = **65 out of 100**\\n\\n### Recommendations\\n1. **Maintain Good Credit Practices**: Continue making timely payments to maintain the excellent repayment history.\\n2. **Monitor Credit Utilization**: Aim to reduce credit utilization below 30% to further improve credit score.\\n3. **Manage Existing Loans**: Consider paying down existing loans to further reduce the loan burden ratio, especially if income increases.\\n4. **Avoid New Credit Inquiries**: Limit new credit inquiries to maintain the current credit score and avoid potential impacts on future loan applications.\\n5. **Financial Planning**: Regularly review financial health and consider budgeting strategies to ensure continued financial discipline.\\n\\n### Conclusion\\nThe overall risk of default is moderate (Risk Score: 65), indicating that while the individual is generally in a good position, there are areas for improvement, particularly in managing credit utilization and existing loan obligations.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1677, \"completion_tokens\": 813, \"total_tokens\": 2490, \"estimated_cost\": {\"amount\": 0.000739, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_aadhaar_info": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"aadhaar_number\": \"123456789012\",\n \"name\": \"Full Name\",\n \"address\": \"Full Address\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"gender\": \"Male/Female\"\n}\n```",
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"system_message": "You are an expert document information extractor. Extract Aadhaar card information from the OCR text.\n\nExtract the following information:\n- Aadhaar number (12 digit number)\n- Full name as printed on card\n- Address\n- Date of birth\n- Gender (if visible)\n\nReturn structured JSON with extracted information.\n"
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"output": "```json\n{\n \"aadhaar_number\": \"123456789012\",\n \"name\": \"Full Name\",\n \"address\": \"Full Address\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"gender\": \"Male/Female\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"aadhaar_number\\\": \\\"123456789012\\\",\\n \\\"name\\\": \\\"Full Name\\\",\\n \\\"address\\\": \\\"Full Address\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\",\\n \\\"gender\\\": \\\"Male/Female\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 388, \"completion_tokens\": 54, \"total_tokens\": 442, \"estimated_cost\": {\"amount\": 9.1e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"aadhaar_number\": \"123456789012\",\n \"name\": \"Full Name\",\n \"address\": \"Full Address\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"gender\": \"Male/Female\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"aadhaar_number\\\": \\\"123456789012\\\",\\n \\\"name\\\": \\\"Full Name\\\",\\n \\\"address\\\": \\\"Full Address\\\",\\n \\\"date_of_birth\\\": \\\"DD/MM/YYYY\\\",\\n \\\"gender\\\": \\\"Male/Female\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 388, \"completion_tokens\": 54, \"total_tokens\": 442, \"estimated_cost\": {\"amount\": 9.1e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"extract_address_proof_info": {
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"ai_response": "```json\n{\n \"address\": \"Full Address\",\n \"name\": \"Name on Document\",\n \"document_type\": \"utility_bill\",\n \"document_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Company Name\"\n}\n```",
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"system_message": "You are an expert document information extractor. Extract address proof information from the OCR text.\n\nExtract the following information:\n- Full address\n- Name on document\n- Document type (utility bill, bank statement, etc.)\n- Document date\n- Issuing authority/company\n\nReturn structured JSON with extracted information.\n"
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"output": "__OUTPUTS__ {\"extraction_success\": true, \"customer_info\": {\"customer_id\": \"CUST_12345\", \"full_name\": \"John Doe\", \"email\": \"john.doe@email.com\", \"phone\": \"+1-555-0123\", \"address\": \"123 Main St, City, State 12345\", \"employment_status\": \"employed\", \"annual_income\": 75000, \"loan_purpose\": \"home_purchase\", \"requested_amount\": 100000}, \"missing_fields\": []}\n",
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"ai_response": "```json\n{\n \"passport_number\": \"A1234567\",\n \"full_name\": \"Full Name\",\n \"nationality\": \"Indian\",\n \"date_of_birth\": \"DD/MM/YYYY\",\n \"expiry_date\": \"DD/MM/YYYY\",\n \"issuing_authority\": \"Government of India\"\n}\n```",
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"final_underwriting_analysis": {
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"ai_response": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Loan Amount**: Not applicable (application declined)\n- **Interest Rate**: Not applicable\n- **Repayment Period**: Not applicable\n\n#### Risk Mitigation Measures:\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\n\n#### Reasoning for Decision:\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\n\n2. **Document Verification Issues**: The verification process revealed critical failures:\n - PAN verification failed due to a script error.\n - Aadhaar verification was invalid due to mismatched address and missing documents.\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\n\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\n\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\n\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\n\n#### Confidence Level: 85\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.",
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"system_message": "You are a senior underwriting manager making final loan decisions.\n\nAnalyze all assessment results and provide:\n1. Final recommendation (APPROVE/CONDITIONAL/DECLINE)\n2. Loan terms and conditions\n3. Risk mitigation measures\n4. Reasoning for decision\n5. Confidence level (1-100)\n\nConsider all factors: income, credit, compliance, and overall risk profile.\n"
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Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\n\n2. **Document Verification Issues**: The verification process revealed critical failures:\n - PAN verification failed due to a script error.\n - Aadhaar verification was invalid due to mismatched address and missing documents.\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\n\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. This poses a risk to their ability to service additional debt.\n\n4. **Credit Score and Default Risk**: The CIBIL score of 720 is good, and the repayment history is strong (99% on-time payments). However, the overall risk profile is moderate (Risk Score: 65), and the existing debt burden is significant relative to income. This combination of factors contributes to the decision to decline the application.\n\n5. **Compliance Status**: Although the compliance checks indicate a low risk and high compliance scores, the failure of essential document verifications overshadows this positive aspect. The inability to verify identity and income accurately is a critical compliance issue.\n\n#### Confidence Level: 85\nWhile there are positive aspects to the applicant\u0027s financial profile, the significant issues with document verification and the high debt-to-income ratio lead to a cautious approach. The confidence level reflects the certainty in the decision based on the risks identified.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Loan Amount**: Not applicable (application declined)\\n- **Interest Rate**: Not applicable\\n- **Repayment Period**: Not applicable\\n\\n#### Risk Mitigation Measures:\\n- **Documentation Requirement**: Ensure that all required documents are valid and submitted correctly before reapplying.\\n- **Debt Management**: Advise the applicant to reduce existing debt obligations to improve the debt-to-income ratio.\\n- **Income Verification**: Recommend obtaining additional proof of income or employment stability to strengthen future applications.\\n\\n#### Reasoning for Decision:\\n1. **Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the overall verification success rate is alarmingly low (25%). Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\\n\\n2. **Document Verification Issues**: The verification process revealed critical failures:\\n - PAN verification failed due to a script error.\\n - Aadhaar verification was invalid due to mismatched address and missing documents.\\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\\n\\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. 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Multiple essential documents failed verification, including Aadhaar, Passport, and Address Proof, which raises significant concerns regarding identity verification and compliance with regulatory standards.\n\n2. **Document Verification Issues**: The verification process revealed critical failures:\n - PAN verification failed due to a script error.\n - Aadhaar verification was invalid due to mismatched address and missing documents.\n - Passport and address proof were also invalid, indicating a lack of essential documentation.\n These failures suggest a high risk of identity fraud and non-compliance, which cannot be overlooked.\n\n3. **Income Assessment**: The applicant\u0027s income stability is relatively strong, with a good financial discipline score (85.5) and a positive income growth trend. However, the debt-to-income ratio exceeds acceptable limits (41.42% vs. the maximum allowed of 40%), indicating that the applicant is over-leveraged. 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"approval_date": "2024-07-15",
"approval_type": "automatic_complex_case",
"conditions": [
"Quarterly income verification for first year",
"Maintain minimum account balance",
"No additional loans for 12 months",
"Property insurance with bank as beneficiary"
],
"decision": "AUTO_APPROVED_WITH_CONDITIONS",
"execution_details": {
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 100000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 454.17, \"processing_fee\": 1200.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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"status": "completed",
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},
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},
"interest_rate": 9.0,
"loan_amount": 100000,
"monthly_emi": 454.17,
"notes": "Auto-approved with enhanced monitoring due to complex risk factors",
"offer_validity": "2024-08-10",
"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 100000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 454.17, \"processing_fee\": 1200.0, \"approval_type\": \"automatic_complex_case\", \"conditions\": [\"Quarterly income verification for first year\", \"Maintain minimum account balance\", \"No additional loans for 12 months\", \"Property insurance with bank as beneficiary\"], \"risk_mitigation\": [\"Enhanced monitoring for first 6 months\", \"Automatic alerts for missed payments\", \"Periodic credit score reviews\"], \"approval_date\": \"2024-07-15\", \"offer_validity\": \"2024-08-10\", \"notes\": \"Auto-approved with enhanced monitoring due to complex risk factors\"}\n",
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],
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"credit_score": 337.9,
"debt_to_income_ratio": 0.4142156862745098,
"risk_category": "high"
},
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"output": "__OUTPUTS__ {\"application_id\": \"12312937\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 0.4142156862745098, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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],
"output": "__OUTPUTS__ {\"application_id\": \"12312937\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 0.4142156862745098, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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"income_assessment": {
"agent_type": "assistant",
"ai_response": "```json\n{\n \"income_assessment\": {\n \"income_stability_assessment\": {\n \"salary_analysis\": {\n \"annual_net\": 81600,\n \"monthly_net\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true\n },\n \"bank_statement_analysis\": {\n \"average_monthly_credits\": 7200,\n \"account_balance_trend\": \"stable\",\n \"loan_emis_detected\": 2,\n \"bounced_transactions\": 0,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"income_growth_trend\": \"positive\",\n \"returns_filed_consistently\": true\n },\n \"overall_stability_score\": 90\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2816.67,\n \"proposed_emi\": 416.67,\n \"debt_to_income_ratio\": 0.4142,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": false,\n \"debt_servicing_capability_score\": 65\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"irregular_transactions\": false\n },\n \"tax_compliance_score\": 92.0,\n \"job_stability_score\": 88.5,\n \"overall_financial_discipline_score\": 85.5\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [\n \"Debt-to-income ratio exceeds acceptable limits\",\n \"Existing debt payments are significant relative to income\"\n ],\n \"recommendations\": [\n \"Consider reducing existing debt obligations\",\n \"Explore options for increasing income or securing a higher-paying position\",\n \"Monitor financial discipline and maintain a stable account balance\"\n ]\n },\n \"overall_income_adequacy_score\": 75\n }\n}\n```",
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"provider": "openai",
"system_message": "You are a senior financial analyst specializing in income assessment for loan underwriting.\n\nAnalyze the provided income data and provide:\n1. Income stability assessment\n2. Debt servicing capability\n3. Financial discipline evaluation\n4. Risk factors and recommendations\n5. Overall income adequacy score (1-100)\n\nReturn a detailed JSON assessment.\n"
},
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"output": "```json\n{\n \"income_assessment\": {\n \"income_stability_assessment\": {\n \"salary_analysis\": {\n \"annual_net\": 81600,\n \"monthly_net\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true\n },\n \"bank_statement_analysis\": {\n \"average_monthly_credits\": 7200,\n \"account_balance_trend\": \"stable\",\n \"loan_emis_detected\": 2,\n \"bounced_transactions\": 0,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"income_growth_trend\": \"positive\",\n \"returns_filed_consistently\": true\n },\n \"overall_stability_score\": 90\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2816.67,\n \"proposed_emi\": 416.67,\n \"debt_to_income_ratio\": 0.4142,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": false,\n \"debt_servicing_capability_score\": 65\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"irregular_transactions\": false\n },\n \"tax_compliance_score\": 92.0,\n \"job_stability_score\": 88.5,\n \"overall_financial_discipline_score\": 85.5\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [\n \"Debt-to-income ratio exceeds acceptable limits\",\n \"Existing debt payments are significant relative to income\"\n ],\n \"recommendations\": [\n \"Consider reducing existing debt obligations\",\n \"Explore options for increasing income or securing a higher-paying position\",\n \"Monitor financial discipline and maintain a stable account balance\"\n ]\n },\n \"overall_income_adequacy_score\": 75\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability_assessment\\\": {\\n \\\"salary_analysis\\\": {\\n \\\"annual_net\\\": 81600,\\n \\\"monthly_net\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true\\n },\\n \\\"bank_statement_analysis\\\": {\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"loan_emis_detected\\\": 2,\\n \\\"bounced_transactions\\\": 0,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_stability_score\\\": 90\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2816.67,\\n \\\"proposed_emi\\\": 416.67,\\n \\\"debt_to_income_ratio\\\": 0.4142,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": false,\\n \\\"debt_servicing_capability_score\\\": 65\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"irregular_transactions\\\": false\\n },\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"overall_financial_discipline_score\\\": 85.5\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [\\n \\\"Debt-to-income ratio exceeds acceptable limits\\\",\\n \\\"Existing debt payments are significant relative to income\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing existing debt obligations\\\",\\n \\\"Explore options for increasing income or securing a higher-paying position\\\",\\n \\\"Monitor financial discipline and maintain a stable account balance\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 75\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1240, \"completion_tokens\": 487, \"total_tokens\": 1727, \"estimated_cost\": {\"amount\": 0.000478, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_assessment\": {\n \"income_stability_assessment\": {\n \"salary_analysis\": {\n \"annual_net\": 81600,\n \"monthly_net\": 6800,\n \"employment_duration\": \"2.5 years\",\n \"salary_consistency\": true,\n \"recent_increment\": true\n },\n \"bank_statement_analysis\": {\n \"average_monthly_credits\": 7200,\n \"account_balance_trend\": \"stable\",\n \"loan_emis_detected\": 2,\n \"bounced_transactions\": 0,\n \"financial_discipline_score\": 85.5\n },\n \"tax_returns\": {\n \"tax_paid\": 12000,\n \"declared_income\": 98000,\n \"income_growth_trend\": \"positive\",\n \"returns_filed_consistently\": true\n },\n \"overall_stability_score\": 90\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2816.67,\n \"proposed_emi\": 416.67,\n \"debt_to_income_ratio\": 0.4142,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": false,\n \"debt_servicing_capability_score\": 65\n },\n \"financial_discipline_evaluation\": {\n \"bank_statement_analysis\": {\n \"maximum_balance\": 45000,\n \"minimum_balance\": 15000,\n \"total_monthly_debits\": 5800,\n \"irregular_transactions\": false\n },\n \"tax_compliance_score\": 92.0,\n \"job_stability_score\": 88.5,\n \"overall_financial_discipline_score\": 85.5\n },\n \"risk_factors_and_recommendations\": {\n \"identified_risks\": [\n \"Debt-to-income ratio exceeds acceptable limits\",\n \"Existing debt payments are significant relative to income\"\n ],\n \"recommendations\": [\n \"Consider reducing existing debt obligations\",\n \"Explore options for increasing income or securing a higher-paying position\",\n \"Monitor financial discipline and maintain a stable account balance\"\n ]\n },\n \"overall_income_adequacy_score\": 75\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_assessment\\\": {\\n \\\"income_stability_assessment\\\": {\\n \\\"salary_analysis\\\": {\\n \\\"annual_net\\\": 81600,\\n \\\"monthly_net\\\": 6800,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"salary_consistency\\\": true,\\n \\\"recent_increment\\\": true\\n },\\n \\\"bank_statement_analysis\\\": {\\n \\\"average_monthly_credits\\\": 7200,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"loan_emis_detected\\\": 2,\\n \\\"bounced_transactions\\\": 0,\\n \\\"financial_discipline_score\\\": 85.5\\n },\\n \\\"tax_returns\\\": {\\n \\\"tax_paid\\\": 12000,\\n \\\"declared_income\\\": 98000,\\n \\\"income_growth_trend\\\": \\\"positive\\\",\\n \\\"returns_filed_consistently\\\": true\\n },\\n \\\"overall_stability_score\\\": 90\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2816.67,\\n \\\"proposed_emi\\\": 416.67,\\n \\\"debt_to_income_ratio\\\": 0.4142,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": false,\\n \\\"debt_servicing_capability_score\\\": 65\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"bank_statement_analysis\\\": {\\n \\\"maximum_balance\\\": 45000,\\n \\\"minimum_balance\\\": 15000,\\n \\\"total_monthly_debits\\\": 5800,\\n \\\"irregular_transactions\\\": false\\n },\\n \\\"tax_compliance_score\\\": 92.0,\\n \\\"job_stability_score\\\": 88.5,\\n \\\"overall_financial_discipline_score\\\": 85.5\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"identified_risks\\\": [\\n \\\"Debt-to-income ratio exceeds acceptable limits\\\",\\n \\\"Existing debt payments are significant relative to income\\\"\\n ],\\n \\\"recommendations\\\": [\\n \\\"Consider reducing existing debt obligations\\\",\\n \\\"Explore options for increasing income or securing a higher-paying position\\\",\\n \\\"Monitor financial discipline and maintain a stable account balance\\\"\\n ]\\n },\\n \\\"overall_income_adequacy_score\\\": 75\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1240, \"completion_tokens\": 487, \"total_tokens\": 1727, \"estimated_cost\": {\"amount\": 0.000478, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
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"internal_policy_check": {
"age_criteria_met": true,
"credit_score_threshold_met": true,
"employment_criteria_met": true,
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},
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"output": "__OUTPUTS__ {\"loan_amount_within_limits\": true, \"ltv_ratio_acceptable\": true, \"income_criteria_met\": true, \"age_criteria_met\": true, \"employment_criteria_met\": true, \"credit_score_threshold_met\": true, \"geographic_restrictions_met\": true, \"policy_compliance_score\": 95.5, \"exceptions_required\": [], \"policy_version\": \"2024.1\"}\n",
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"output": "__OUTPUTS__ {\"kyc_status\": \"compliant\", \"identity_verified\": true, \"address_verified\": true, \"income_verified\": true, \"documents_complete\": true, \"risk_category\": \"low\", \"compliance_score\": 98.5, \"last_updated\": \"2024-07-15\", \"regulatory_requirements_met\": true}\n",
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"ocr_passport": {
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"name": "high_risk_path",
"result": false,
"route": "decline_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700",
"name": "conditional_approval_path",
"result": false,
"route": "conditional_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 700",
"name": "standard_approval_path",
"result": false,
"route": "approval_path"
}
],
"duration_seconds": 0.00093,
"ended_at": "2025-07-16T08:15:48.195938",
"evaluation_details": {},
"execution_details": {
"actual_result": {
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.00093, \"started_at\": \"2025-07-16T08:15:48.195008\", \"ended_at\": \"2025-07-16T08:15:48.195938\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.185477,
"end_time": "2025-07-16T08:15:48.260332",
"message_sent": true,
"start_time": "2025-07-16T08:15:48.074855",
"timestamp": "2025-07-16T08:15:48.260332",
"worker_executed": true,
"workers_notified": true
},
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.00093, \"started_at\": \"2025-07-16T08:15:48.195008\", \"ended_at\": \"2025-07-16T08:15:48.195938\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T08:15:48.195008",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"error": "Python script failed with return code 1: File \"/tmp/tmpzt4mr33_.py\", line 136\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 136)\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: File \"/tmp/tmpzt4mr33_.py\", line 136\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 136)\n",
"status": "FAILED",
"task_id": "upload_to_supabase"
},
"validate_aadhaar_card_url": {
"content_type": "N/A",
"error_message": "No Aadhaar card URL provided",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No Aadhaar card URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.616204,
"end_time": "2025-07-16T08:09:03.534417",
"message_sent": true,
"start_time": "2025-07-16T08:09:02.918213",
"timestamp": "2025-07-16T08:09:03.534417",
"worker_executed": true,
"workers_notified": true
},
"file_size": 0,
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No Aadhaar card URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": false,
"return_code": 0,
"status": "completed",
"status_code": 0,
"stderr": "",
"task_id": "validate_aadhaar_card_url",
"url_accessible": false,
"url_provided": false,
"url_valid": false,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"validate_address_proof_url": {
"content_type": "N/A",
"error_message": "No address proof URL provided",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No address proof URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 1.369228,
"end_time": "2025-07-16T08:09:04.416789",
"message_sent": true,
"start_time": "2025-07-16T08:09:03.047561",
"timestamp": "2025-07-16T08:09:04.416789",
"worker_executed": true,
"workers_notified": true
},
"file_size": 0,
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No address proof URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": false,
"return_code": 0,
"status": "completed",
"status_code": 0,
"stderr": "",
"task_id": "validate_address_proof_url",
"url_accessible": false,
"url_provided": false,
"url_valid": false,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"validate_application_fields": {
"completion_percentage": 100.0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.21612,
"end_time": "2025-07-16T08:08:53.899309",
"message_sent": true,
"start_time": "2025-07-16T08:08:53.683189",
"timestamp": "2025-07-16T08:08:53.899309",
"worker_executed": true,
"workers_notified": true
},
"missing_fields": [],
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "validate_application_fields",
"validation_passed": true
},
"validate_pan_card_url": {
"content_type": "image/jpeg",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": true, \"url_valid\": true, \"url_accessible\": true, \"content_type\": \"image/jpeg\", \"file_size\": 74740, \"status_code\": 200, \"proceed_to_ocr\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.813834,
"end_time": "2025-07-16T08:09:03.669875",
"message_sent": true,
"start_time": "2025-07-16T08:09:02.856041",
"timestamp": "2025-07-16T08:09:03.669875",
"worker_executed": true,
"workers_notified": true
},
"file_size": 74740,
"output": "__OUTPUTS__ {\"url_provided\": true, \"url_valid\": true, \"url_accessible\": true, \"content_type\": \"image/jpeg\", \"file_size\": 74740, \"status_code\": 200, \"proceed_to_ocr\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": true,
"return_code": 0,
"status": "completed",
"status_code": 200,
"stderr": "",
"task_id": "validate_pan_card_url",
"url_accessible": true,
"url_provided": true,
"url_valid": true,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"validate_passport_url": {
"content_type": "N/A",
"error_message": "No passport URL provided",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No passport URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.981378,
"end_time": "2025-07-16T08:09:03.965033",
"message_sent": true,
"start_time": "2025-07-16T08:09:02.983655",
"timestamp": "2025-07-16T08:09:03.965033",
"worker_executed": true,
"workers_notified": true
},
"file_size": 0,
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No passport URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": false,
"return_code": 0,
"status": "completed",
"status_code": 0,
"stderr": "",
"task_id": "validate_passport_url",
"url_accessible": false,
"url_provided": false,
"url_valid": false,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"verify_aadhaar": {
"aadhaar_masked": "N/A",
"address_match": false,
"address_on_aadhaar": "N/A",
"biometric_verified": false,
"date_of_birth": "N/A",
"document_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"gender\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Aadhaar card URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.265621,
"end_time": "2025-07-16T08:09:06.758894",
"message_sent": true,
"start_time": "2025-07-16T08:09:06.493273",
"timestamp": "2025-07-16T08:09:06.758894",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"gender": "N/A",
"is_valid": false,
"last_updated": "N/A",
"name_on_aadhaar": "N/A",
"note": "Aadhaar card URL not provided",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"gender\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Aadhaar card URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 0.0
},
"verify_address_proof": {
"address_confirmed": "N/A",
"address_match": false,
"document_date": "N/A",
"document_found": false,
"document_type": "N/A",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"issuing_authority\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Address proof URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.249162,
"end_time": "2025-07-16T08:09:07.493691",
"message_sent": true,
"start_time": "2025-07-16T08:09:07.244529",
"timestamp": "2025-07-16T08:09:07.493691",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"is_valid": false,
"issuing_authority": "N/A",
"name_on_document": "N/A",
"note": "Address proof URL not provided",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"issuing_authority\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Address proof URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"verification_score": 0.0
},
"verify_employment": {
"designation": "Senior Software Engineer",
"employer_rating": "A+",
"employment_confirmed": true,
"employment_type": "permanent",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.352456,
"end_time": "2025-07-16T08:15:12.627219",
"message_sent": true,
"start_time": "2025-07-16T08:15:12.274763",
"timestamp": "2025-07-16T08:15:12.627219",
"worker_executed": true,
"workers_notified": true
},
"hr_contact_verified": true,
"job_stability_score": 88.5,
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"probation_status": "confirmed",
"reference_check_passed": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpqji9utn1.py\", line 10, in \u003cmodule\u003e\n url_validation = {\"file_size\": 74740, \"url_valid\": true, \"status_code\": 200, \"content_type\": \"image/jpeg\", \"url_provided\": true, \"proceed_to_ocr\": true, \"url_accessible\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n ^^^^\nNameError: name \u0027true\u0027 is not defined. Did you mean: \u0027True\u0027?\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpqji9utn1.py\", line 10, in \u003cmodule\u003e\n url_validation = {\"file_size\": 74740, \"url_valid\": true, \"status_code\": 200, \"content_type\": \"image/jpeg\", \"url_provided\": true, \"proceed_to_ocr\": true, \"url_accessible\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n ^^^^\nNameError: name \u0027true\u0027 is not defined. Did you mean: \u0027True\u0027?\n",
"status": "FAILED",
"task_id": "verify_pan_card"
},
"verify_passport": {
"date_of_birth": "N/A",
"document_found": false,
"document_provided": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"nationality\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.204608,
"end_time": "2025-07-16T08:12:06.335881",
"message_sent": true,
"start_time": "2025-07-16T08:12:06.131273",
"timestamp": "2025-07-16T08:12:06.335881",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "N/A",
"extracted_from_ocr": false,
"is_valid": false,
"issuing_authority": "N/A",
"name_on_passport": "N/A",
"nationality": "N/A",
"note": "Passport not provided - optional document",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"nationality\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"passport_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 0.0
},
"verify_tax_returns": {
"declared_income": 98000,
"discrepancies_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.360541,
"end_time": "2025-07-16T08:15:12.347058",
"message_sent": true,
"start_time": "2025-07-16T08:15:11.986517",
"timestamp": "2025-07-16T08:15:12.347058",
"worker_executed": true,
"workers_notified": true
},
"income_growth_trend": "positive",
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"returns_filed_consistently": true,
"status": "completed",
"stderr": "",
"task_id": "verify_tax_returns",
"tax_compliance_score": 92.0,
"tax_paid": 12000,
"verification_with_govt": true
}
},
"underwriting_decision_router": {
"all_conditions_checked": [
{
"condition": "${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50",
"name": "high_risk_path",
"result": false,
"route": "decline_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700",
"name": "conditional_approval_path",
"result": false,
"route": "conditional_path"
},
{
"condition": "${calculate_credit_score.internal_credit_score} \u003e= 700",
"name": "standard_approval_path",
"result": false,
"route": "approval_path"
}
],
"duration_seconds": 0.00093,
"ended_at": "2025-07-16T08:15:48.195938",
"evaluation_details": {},
"execution_details": {
"actual_result": {
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.00093, \"started_at\": \"2025-07-16T08:15:48.195008\", \"ended_at\": \"2025-07-16T08:15:48.195938\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.185477,
"end_time": "2025-07-16T08:15:48.260332",
"message_sent": true,
"start_time": "2025-07-16T08:15:48.074855",
"timestamp": "2025-07-16T08:15:48.260332",
"worker_executed": true,
"workers_notified": true
},
"output": "Route selected: manual_review_path\n__OUTPUTS__ {\"router_type\": \"condition\", \"selected_route\": \"manual_review_path\", \"route_reason\": \"no_conditions_matched\", \"evaluation_details\": {}, \"all_conditions_checked\": [{\"name\": \"high_risk_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003c 600 || ${calculate_debt_to_income.debt_to_income_ratio} \u003e 0.50\", \"result\": false, \"route\": \"decline_path\"}, {\"name\": \"conditional_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 600 \u0026\u0026 ${calculate_credit_score.internal_credit_score} \u003c 700\", \"result\": false, \"route\": \"conditional_path\"}, {\"name\": \"standard_approval_path\", \"condition\": \"${calculate_credit_score.internal_credit_score} \u003e= 700\", \"result\": false, \"route\": \"approval_path\"}], \"duration_seconds\": 0.00093, \"started_at\": \"2025-07-16T08:15:48.195008\", \"ended_at\": \"2025-07-16T08:15:48.195938\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T08:15:48.195008",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"error": "Python script failed with return code 1: File \"/tmp/tmpzt4mr33_.py\", line 136\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 136)\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: File \"/tmp/tmpzt4mr33_.py\", line 136\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 136)\n",
"status": "FAILED",
"task_id": "upload_to_supabase"
},
"validate_aadhaar_card_url": {
"content_type": "N/A",
"error_message": "No Aadhaar card URL provided",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No Aadhaar card URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.616204,
"end_time": "2025-07-16T08:09:03.534417",
"message_sent": true,
"start_time": "2025-07-16T08:09:02.918213",
"timestamp": "2025-07-16T08:09:03.534417",
"worker_executed": true,
"workers_notified": true
},
"file_size": 0,
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No Aadhaar card URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": false,
"return_code": 0,
"status": "completed",
"status_code": 0,
"stderr": "",
"task_id": "validate_aadhaar_card_url",
"url_accessible": false,
"url_provided": false,
"url_valid": false,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"validate_address_proof_url": {
"content_type": "N/A",
"error_message": "No address proof URL provided",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No address proof URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 1.369228,
"end_time": "2025-07-16T08:09:04.416789",
"message_sent": true,
"start_time": "2025-07-16T08:09:03.047561",
"timestamp": "2025-07-16T08:09:04.416789",
"worker_executed": true,
"workers_notified": true
},
"file_size": 0,
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No address proof URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": false,
"return_code": 0,
"status": "completed",
"status_code": 0,
"stderr": "",
"task_id": "validate_address_proof_url",
"url_accessible": false,
"url_provided": false,
"url_valid": false,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"validate_application_fields": {
"completion_percentage": 100.0,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.21612,
"end_time": "2025-07-16T08:08:53.899309",
"message_sent": true,
"start_time": "2025-07-16T08:08:53.683189",
"timestamp": "2025-07-16T08:08:53.899309",
"worker_executed": true,
"workers_notified": true
},
"missing_fields": [],
"output": "__OUTPUTS__ {\"validation_passed\": true, \"missing_fields\": [], \"completion_percentage\": 100.0}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "validate_application_fields",
"validation_passed": true
},
"validate_pan_card_url": {
"content_type": "image/jpeg",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": true, \"url_valid\": true, \"url_accessible\": true, \"content_type\": \"image/jpeg\", \"file_size\": 74740, \"status_code\": 200, \"proceed_to_ocr\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.813834,
"end_time": "2025-07-16T08:09:03.669875",
"message_sent": true,
"start_time": "2025-07-16T08:09:02.856041",
"timestamp": "2025-07-16T08:09:03.669875",
"worker_executed": true,
"workers_notified": true
},
"file_size": 74740,
"output": "__OUTPUTS__ {\"url_provided\": true, \"url_valid\": true, \"url_accessible\": true, \"content_type\": \"image/jpeg\", \"file_size\": 74740, \"status_code\": 200, \"proceed_to_ocr\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": true,
"return_code": 0,
"status": "completed",
"status_code": 200,
"stderr": "",
"task_id": "validate_pan_card_url",
"url_accessible": true,
"url_provided": true,
"url_valid": true,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"validate_passport_url": {
"content_type": "N/A",
"error_message": "No passport URL provided",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No passport URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.981378,
"end_time": "2025-07-16T08:09:03.965033",
"message_sent": true,
"start_time": "2025-07-16T08:09:02.983655",
"timestamp": "2025-07-16T08:09:03.965033",
"worker_executed": true,
"workers_notified": true
},
"file_size": 0,
"output": "__OUTPUTS__ {\"url_provided\": false, \"url_valid\": false, \"url_accessible\": false, \"content_type\": \"N/A\", \"file_size\": 0, \"status_code\": 0, \"error_message\": \"No passport URL provided\", \"proceed_to_ocr\": false, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n",
"proceed_to_ocr": false,
"return_code": 0,
"status": "completed",
"status_code": 0,
"stderr": "",
"task_id": "validate_passport_url",
"url_accessible": false,
"url_provided": false,
"url_valid": false,
"validation_timestamp": "2024-07-16T00:00:00Z"
},
"verify_aadhaar": {
"aadhaar_masked": "N/A",
"address_match": false,
"address_on_aadhaar": "N/A",
"biometric_verified": false,
"date_of_birth": "N/A",
"document_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"gender\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Aadhaar card URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.265621,
"end_time": "2025-07-16T08:09:06.758894",
"message_sent": true,
"start_time": "2025-07-16T08:09:06.493273",
"timestamp": "2025-07-16T08:09:06.758894",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"gender": "N/A",
"is_valid": false,
"last_updated": "N/A",
"name_on_aadhaar": "N/A",
"note": "Aadhaar card URL not provided",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"aadhaar_masked\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"biometric_verified\": false, \"verification_score\": 0.0, \"last_updated\": \"N/A\", \"name_on_aadhaar\": \"N/A\", \"address_on_aadhaar\": \"N/A\", \"date_of_birth\": \"N/A\", \"gender\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Aadhaar card URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_aadhaar",
"verification_score": 0.0
},
"verify_address_proof": {
"address_confirmed": "N/A",
"address_match": false,
"document_date": "N/A",
"document_found": false,
"document_type": "N/A",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"issuing_authority\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Address proof URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.249162,
"end_time": "2025-07-16T08:09:07.493691",
"message_sent": true,
"start_time": "2025-07-16T08:09:07.244529",
"timestamp": "2025-07-16T08:09:07.493691",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"is_valid": false,
"issuing_authority": "N/A",
"name_on_document": "N/A",
"note": "Address proof URL not provided",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"document_type\": \"N/A\", \"is_valid\": false, \"address_match\": false, \"document_date\": \"N/A\", \"verification_score\": 0.0, \"address_confirmed\": \"N/A\", \"name_on_document\": \"N/A\", \"issuing_authority\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Address proof URL not provided\"}\n",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_address_proof",
"verification_score": 0.0
},
"verify_employment": {
"designation": "Senior Software Engineer",
"employer_rating": "A+",
"employment_confirmed": true,
"employment_type": "permanent",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.352456,
"end_time": "2025-07-16T08:15:12.627219",
"message_sent": true,
"start_time": "2025-07-16T08:15:12.274763",
"timestamp": "2025-07-16T08:15:12.627219",
"worker_executed": true,
"workers_notified": true
},
"hr_contact_verified": true,
"job_stability_score": 88.5,
"output": "__OUTPUTS__ {\"employment_confirmed\": true, \"designation\": \"Senior Software Engineer\", \"employment_type\": \"permanent\", \"probation_status\": \"confirmed\", \"employer_rating\": \"A+\", \"job_stability_score\": 88.5, \"reference_check_passed\": true, \"hr_contact_verified\": true}\n",
"probation_status": "confirmed",
"reference_check_passed": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
"error": "Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpqji9utn1.py\", line 10, in \u003cmodule\u003e\n url_validation = {\"file_size\": 74740, \"url_valid\": true, \"status_code\": 200, \"content_type\": \"image/jpeg\", \"url_provided\": true, \"proceed_to_ocr\": true, \"url_accessible\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n ^^^^\nNameError: name \u0027true\u0027 is not defined. Did you mean: \u0027True\u0027?\n",
"execution_details": {
"failed": true,
"message_sent": true,
"worker_executed": true,
"workers_notified": true
},
"output": "Task failed: Python script failed with return code 1: Traceback (most recent call last):\n File \"/tmp/tmpqji9utn1.py\", line 10, in \u003cmodule\u003e\n url_validation = {\"file_size\": 74740, \"url_valid\": true, \"status_code\": 200, \"content_type\": \"image/jpeg\", \"url_provided\": true, \"proceed_to_ocr\": true, \"url_accessible\": true, \"validation_timestamp\": \"2024-07-16T00:00:00Z\"}\n ^^^^\nNameError: name \u0027true\u0027 is not defined. Did you mean: \u0027True\u0027?\n",
"status": "FAILED",
"task_id": "verify_pan_card"
},
"verify_passport": {
"date_of_birth": "N/A",
"document_found": false,
"document_provided": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"nationality\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.204608,
"end_time": "2025-07-16T08:12:06.335881",
"message_sent": true,
"start_time": "2025-07-16T08:12:06.131273",
"timestamp": "2025-07-16T08:12:06.335881",
"worker_executed": true,
"workers_notified": true
},
"expiry_date": "N/A",
"extracted_from_ocr": false,
"is_valid": false,
"issuing_authority": "N/A",
"name_on_passport": "N/A",
"nationality": "N/A",
"note": "Passport not provided - optional document",
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"passport_number\": \"N/A\", \"is_valid\": false, \"expiry_date\": \"N/A\", \"issuing_authority\": \"N/A\", \"verification_score\": 0.0, \"document_provided\": false, \"name_on_passport\": \"N/A\", \"nationality\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"note\": \"Passport not provided - optional document\"}\n",
"passport_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_passport",
"verification_score": 0.0
},
"verify_tax_returns": {
"declared_income": 98000,
"discrepancies_found": false,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.360541,
"end_time": "2025-07-16T08:15:12.347058",
"message_sent": true,
"start_time": "2025-07-16T08:15:11.986517",
"timestamp": "2025-07-16T08:15:12.347058",
"worker_executed": true,
"workers_notified": true
},
"income_growth_trend": "positive",
"output": "__OUTPUTS__ {\"declared_income\": 98000, \"tax_paid\": 12000, \"returns_filed_consistently\": true, \"income_growth_trend\": \"positive\", \"discrepancies_found\": false, \"verification_with_govt\": true, \"tax_compliance_score\": 92.0}\n",
"return_code": 0,
"returns_filed_consistently": true,
"status": "completed",
"stderr": "",
"task_id": "verify_tax_returns",
"tax_compliance_score": 92.0,
"tax_paid": 12000,
"verification_with_govt": true
}
}