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": 0.221298,
"end_time": "2025-07-16T08:00:46.453967",
"message_sent": true,
"start_time": "2025-07-16T08:00:46.232669",
"timestamp": "2025-07-16T08:00:46.453967",
"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": 0.511602,
"end_time": "2025-07-16T08:00:20.604176",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.092574",
"timestamp": "2025-07-16T08:00:20.604176",
"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": 0.207545,
"end_time": "2025-07-16T08:00:32.159483",
"message_sent": true,
"start_time": "2025-07-16T08:00:31.951938",
"timestamp": "2025-07-16T08:00:32.159483",
"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": 0.462731,
"end_time": "2025-07-16T08:00:20.484830",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.022099",
"timestamp": "2025-07-16T08:00:20.484830",
"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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with valid data.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 887,
"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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with valid data.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with valid data.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\\\"\\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\": 192, \"total_tokens\": 392, \"estimated_cost\": {\"amount\": 0.000145, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 192,
"estimated_cost": {
"amount": 0.000145,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 392
}
},
"duration_seconds": 5.088365,
"end_time": "2025-07-16T07:57:12.931165",
"message_sent": true,
"start_time": "2025-07-16T07:57:07.842800",
"timestamp": "2025-07-16T07:57:12.931165",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with valid data.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with valid data.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\\\"\\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\": 192, \"total_tokens\": 392, \"estimated_cost\": {\"amount\": 0.000145, \"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": 192,
"estimated_cost": {
"amount": 0.000145,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 392
}
},
"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": 0.192518,
"end_time": "2025-07-16T08:00:32.382128",
"message_sent": true,
"start_time": "2025-07-16T08:00:32.189610",
"timestamp": "2025-07-16T08:00:32.382128",
"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": 0.229165,
"end_time": "2025-07-16T08:00:45.931261",
"message_sent": true,
"start_time": "2025-07-16T08:00:45.702096",
"timestamp": "2025-07-16T08:00:45.931261",
"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": 0.3590686274509804,
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"monthly_net_income\": 6800, \"existing_debt_payments\": 2400, \"proposed_emi\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.21397,
"end_time": "2025-07-16T08:00:20.909845",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.695875",
"timestamp": "2025-07-16T08:00:20.909845",
"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\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
"proposed_emi": 41.666666666666664,
"ratio_acceptable": true,
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "calculate_debt_to_income",
"total_debt_payments": 2441.6666666666665
},
"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": 0.19607,
"end_time": "2025-07-16T08:00:31.925111",
"message_sent": true,
"start_time": "2025-07-16T08:00:31.729041",
"timestamp": "2025-07-16T08:00:31.925111",
"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 the consolidated 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 \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Proceed with the loan application as all compliance checks are satisfactory.\",\n \"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\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 loan application and maintain ongoing monitoring of compliance.\n5. **Compliance Confidence Score**: A score of 98 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": 1319,
"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 the consolidated 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 \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Proceed with the loan application as all compliance checks are satisfactory.\",\n \"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\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 loan application and maintain ongoing monitoring of compliance.\n5. **Compliance Confidence Score**: A score of 98 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 the consolidated 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 \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Proceed with the loan application as all compliance checks are satisfactory.\\\",\\n \\\"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\\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 loan application and maintain ongoing monitoring of compliance.\\n5. **Compliance Confidence Score**: A score of 98 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\": 2229, \"completion_tokens\": 305, \"total_tokens\": 2534, \"estimated_cost\": {\"amount\": 0.000517, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is the consolidated 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 \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Proceed with the loan application as all compliance checks are satisfactory.\",\n \"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\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 loan application and maintain ongoing monitoring of compliance.\n5. **Compliance Confidence Score**: A score of 98 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 the consolidated 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 \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Proceed with the loan application as all compliance checks are satisfactory.\\\",\\n \\\"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\\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 loan application and maintain ongoing monitoring of compliance.\\n5. **Compliance Confidence Score**: A score of 98 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\": 2229, \"completion_tokens\": 305, \"total_tokens\": 2534, \"estimated_cost\": {\"amount\": 0.000517, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were successfully verified, leading to a lack of consistency in the provided information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"validation_issues\": [\n \"All documents returned invalid status\",\n \"No matching names or addresses found\",\n \"No OCR confidence in any document\"\n ],\n \"comments\": \"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application.\",\n \"comments\": \"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\"\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\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were successfully verified, leading to a lack of consistency in the provided information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"validation_issues\": [\n \"All documents returned invalid status\",\n \"No matching names or addresses found\",\n \"No OCR confidence in any document\"\n ],\n \"comments\": \"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application.\",\n \"comments\": \"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were successfully verified, leading to a lack of consistency in the provided information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"validation_issues\\\": [\\n \\\"All documents returned invalid status\\\",\\n \\\"No matching names or addresses found\\\",\\n \\\"No OCR confidence in any document\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application.\\\",\\n \\\"comments\\\": \\\"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1039, \"completion_tokens\": 213, \"total_tokens\": 1252, \"estimated_cost\": {\"amount\": 0.000284, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were successfully verified, leading to a lack of consistency in the provided information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"validation_issues\": [\n \"All documents returned invalid status\",\n \"No matching names or addresses found\",\n \"No OCR confidence in any document\"\n ],\n \"comments\": \"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application.\",\n \"comments\": \"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were successfully verified, leading to a lack of consistency in the provided information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"validation_issues\\\": [\\n \\\"All documents returned invalid status\\\",\\n \\\"No matching names or addresses found\\\",\\n \\\"No OCR confidence in any document\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application.\\\",\\n \\\"comments\\\": \\\"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1039, \"completion_tokens\": 213, \"total_tokens\": 1252, \"estimated_cost\": {\"amount\": 0.000284, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we can analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Total Outstanding Loans**: 125000\n\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\n\n### 5. Overall Risk Profile\n- **Financial Discipline**: Excellent repayment track record.\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\n\n### Risk Score Calculation\nConsidering the above factors:\n- **Credit Score**: 720 (Good) - Low risk\n- **Payment History**: 99% on-time - Low risk\n- **Credit Utilization**: 35.5% - Moderate risk\n- **Loan Burden Ratio**: 28% - Low risk\n- **Repayment Patterns**: Excellent - Low risk\n\n### Risk Score: 15/100\n(Where 1 is the lowest risk and 100 is the highest risk)\n\n### Recommendations\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\n\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.",
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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 can analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Total Outstanding Loans**: 125000\n\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\n\n### 5. Overall Risk Profile\n- **Financial Discipline**: Excellent repayment track record.\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\n\n### Risk Score Calculation\nConsidering the above factors:\n- **Credit Score**: 720 (Good) - Low risk\n- **Payment History**: 99% on-time - Low risk\n- **Credit Utilization**: 35.5% - Moderate risk\n- **Loan Burden Ratio**: 28% - Low risk\n- **Repayment Patterns**: Excellent - Low risk\n\n### Risk Score: 15/100\n(Where 1 is the lowest risk and 100 is the highest risk)\n\n### Recommendations\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\n\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Total Outstanding Loans**: 125000\\n\\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline**: Excellent repayment track record.\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\\n\\n### Risk Score Calculation\\nConsidering the above factors:\\n- **Credit Score**: 720 (Good) - Low risk\\n- **Payment History**: 99% on-time - Low risk\\n- **Credit Utilization**: 35.5% - Moderate risk\\n- **Loan Burden Ratio**: 28% - Low risk\\n- **Repayment Patterns**: Excellent - Low risk\\n\\n### Risk Score: 15/100\\n(Where 1 is the lowest risk and 100 is the highest risk)\\n\\n### Recommendations\\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\\n\\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1521, \"completion_tokens\": 731, \"total_tokens\": 2252, \"estimated_cost\": {\"amount\": 0.000667, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we can analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Total Outstanding Loans**: 125000\n\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\n\n### 5. Overall Risk Profile\n- **Financial Discipline**: Excellent repayment track record.\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\n\n### Risk Score Calculation\nConsidering the above factors:\n- **Credit Score**: 720 (Good) - Low risk\n- **Payment History**: 99% on-time - Low risk\n- **Credit Utilization**: 35.5% - Moderate risk\n- **Loan Burden Ratio**: 28% - Low risk\n- **Repayment Patterns**: Excellent - Low risk\n\n### Risk Score: 15/100\n(Where 1 is the lowest risk and 100 is the highest risk)\n\n### Recommendations\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\n\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Total Outstanding Loans**: 125000\\n\\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline**: Excellent repayment track record.\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\\n\\n### Risk Score Calculation\\nConsidering the above factors:\\n- **Credit Score**: 720 (Good) - Low risk\\n- **Payment History**: 99% on-time - Low risk\\n- **Credit Utilization**: 35.5% - Moderate risk\\n- **Loan Burden Ratio**: 28% - Low risk\\n- **Repayment Patterns**: Excellent - Low risk\\n\\n### Risk Score: 15/100\\n(Where 1 is the lowest risk and 100 is the highest risk)\\n\\n### Recommendations\\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\\n\\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1521, \"completion_tokens\": 731, \"total_tokens\": 2252, \"estimated_cost\": {\"amount\": 0.000667, \"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\": 411, \"completion_tokens\": 54, \"total_tokens\": 465, \"estimated_cost\": {\"amount\": 9.4e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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"model": "gpt-4o-mini",
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"model": "gpt-4o-mini",
"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\": 411, \"completion_tokens\": 54, \"total_tokens\": 465, \"estimated_cost\": {\"amount\": 9.4e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"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```",
"execution_details": {
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"provider": "openai",
"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\": 1023, \"completion_tokens\": 98, \"total_tokens\": 1121, \"estimated_cost\": {\"amount\": 0.000212, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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"model": "gpt-4o-mini",
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"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\": 1023, \"completion_tokens\": 98, \"total_tokens\": 1121, \"estimated_cost\": {\"amount\": 0.000212, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"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": 10000
},
"execution_details": {
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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\": 10000}, \"missing_fields\": []}\n",
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"worker_executed": true,
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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\": 10000}, \"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\": 507, \"completion_tokens\": 45, \"total_tokens\": 552, \"estimated_cost\": {\"amount\": 0.000103, \"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\": 507, \"completion_tokens\": 45, \"total_tokens\": 552, \"estimated_cost\": {\"amount\": 0.000103, \"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 \"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```",
"execution_details": {
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"provider": "openai",
"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 \"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 \\\"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\": 829, \"completion_tokens\": 120, \"total_tokens\": 949, \"estimated_cost\": {\"amount\": 0.000196, \"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 \"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 \\\"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\": 829, \"completion_tokens\": 120, \"total_tokens\": 949, \"estimated_cost\": {\"amount\": 0.000196, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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},
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"ai_response": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $10,000\n- **Proposed EMI**: $41.67\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\n\n#### Risk Mitigation Measures:\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\n\n#### Reasoning for Decision:\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\n \n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\n\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\n\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\n\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\n\n#### Confidence Level: 85\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $10,000\n- **Proposed EMI**: $41.67\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\n\n#### Risk Mitigation Measures:\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\n\n#### Reasoning for Decision:\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\n \n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\n\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\n\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\n\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\n\n#### Confidence Level: 85\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $10,000\\n- **Proposed EMI**: $41.67\\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\\n\\n#### Risk Mitigation Measures:\\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\\n\\n#### Reasoning for Decision:\\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\\n \\n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\\n\\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\\n\\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\\n\\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\\n\\n#### Confidence Level: 85\\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 4953, \"completion_tokens\": 417, \"total_tokens\": 5370, \"estimated_cost\": {\"amount\": 0.000993, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $10,000\n- **Proposed EMI**: $41.67\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\n\n#### Risk Mitigation Measures:\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\n\n#### Reasoning for Decision:\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\n \n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\n\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\n\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\n\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\n\n#### Confidence Level: 85\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $10,000\\n- **Proposed EMI**: $41.67\\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\\n\\n#### Risk Mitigation Measures:\\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\\n\\n#### Reasoning for Decision:\\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\\n \\n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\\n\\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\\n\\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\\n\\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\\n\\n#### Confidence Level: 85\\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 4953, \"completion_tokens\": 417, \"total_tokens\": 5370, \"estimated_cost\": {\"amount\": 0.000993, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"No additional loans for 12 months",
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],
"decision": "AUTO_APPROVED_WITH_CONDITIONS",
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"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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"loan_amount": 10000,
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"output": "__OUTPUTS__ {\"decision\": \"AUTO_APPROVED_WITH_CONDITIONS\", \"loan_amount\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"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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"risk_category": "high"
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"ai_response": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"bounced_transactions\": 0,\n \"account_balance_trend\": \"stable\",\n \"irregular_transactions\": false,\n \"comments\": \"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and employment stability.\",\n \"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\"\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_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"bounced_transactions\": 0,\n \"account_balance_trend\": \"stable\",\n \"irregular_transactions\": false,\n \"comments\": \"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and employment stability.\",\n \"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"bounced_transactions\\\": 0,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and employment stability.\\\",\\n \\\"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1198, \"completion_tokens\": 373, \"total_tokens\": 1571, \"estimated_cost\": {\"amount\": 0.000403, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"bounced_transactions\": 0,\n \"account_balance_trend\": \"stable\",\n \"irregular_transactions\": false,\n \"comments\": \"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and employment stability.\",\n \"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"bounced_transactions\\\": 0,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and employment stability.\\\",\\n \\\"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1198, \"completion_tokens\": 373, \"total_tokens\": 1571, \"estimated_cost\": {\"amount\": 0.000403, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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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": {
"address_verified": true,
"compliance_score": 98.5,
"documents_complete": true,
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"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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"stderr": ""
},
"duration_seconds": 0.233014,
"end_time": "2025-07-16T08:00:46.199526",
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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": 0.64827,
"end_time": "2025-07-16T07:57:13.670668",
"message_sent": true,
"start_time": "2025-07-16T07:57:13.022398",
"timestamp": "2025-07-16T07:57:13.670668",
"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": "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_address_proof"
},
"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": 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": 0.462743,
"end_time": "2025-07-16T07:57:13.553816",
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"start_time": "2025-07-16T07:57:13.091073",
"timestamp": "2025-07-16T07:57:13.553816",
"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_passport",
"tool_name": "ocr_image_url"
},
"regulatory_compliance": {
"audit_trail_complete": true,
"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": 0.203261,
"end_time": "2025-07-16T08:00:46.692209",
"message_sent": true,
"start_time": "2025-07-16T08:00:46.488948",
"timestamp": "2025-07-16T08:00:46.692209",
"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": 0.221298,
"end_time": "2025-07-16T08:00:46.453967",
"message_sent": true,
"start_time": "2025-07-16T08:00:46.232669",
"timestamp": "2025-07-16T08:00:46.453967",
"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": 0.511602,
"end_time": "2025-07-16T08:00:20.604176",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.092574",
"timestamp": "2025-07-16T08:00:20.604176",
"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": 0.207545,
"end_time": "2025-07-16T08:00:32.159483",
"message_sent": true,
"start_time": "2025-07-16T08:00:31.951938",
"timestamp": "2025-07-16T08:00:32.159483",
"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": 0.462731,
"end_time": "2025-07-16T08:00:20.484830",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.022099",
"timestamp": "2025-07-16T08:00:20.484830",
"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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with valid data.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\"\n}\n```",
"execution_details": {
"actual_result": {
"agent_type": "assistant",
"execution_details": {
"agent_type": "assistant",
"input_length": 468,
"model": "gpt-4o-mini",
"output_length": 887,
"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 \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with valid data.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with valid data.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\\\"\\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\": 192, \"total_tokens\": 392, \"estimated_cost\": {\"amount\": 0.000145, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
"return_code": 0,
"status": "completed",
"stderr": "",
"token_usage": {
"completion_tokens": 192,
"estimated_cost": {
"amount": 0.000145,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 392
}
},
"duration_seconds": 5.088365,
"end_time": "2025-07-16T07:57:12.931165",
"message_sent": true,
"start_time": "2025-07-16T07:57:07.842800",
"timestamp": "2025-07-16T07:57:12.931165",
"worker_executed": true,
"workers_notified": true
},
"model": "gpt-4o-mini",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"data_completeness_and_accuracy\": {\n \"complete\": true,\n \"accuracy\": true,\n \"comments\": \"All required fields are filled out correctly with valid data.\"\n },\n \"consistency_of_information\": {\n \"consistent\": true,\n \"comments\": \"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\"\n },\n \"red_flags_or inconsistencies\": {\n \"red_flags\": [],\n \"comments\": \"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\"\n },\n \"overall_application_quality_score\": 95,\n \"comments\": \"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"data_completeness_and_accuracy\\\": {\\n \\\"complete\\\": true,\\n \\\"accuracy\\\": true,\\n \\\"comments\\\": \\\"All required fields are filled out correctly with valid data.\\\"\\n },\\n \\\"consistency_of_information\\\": {\\n \\\"consistent\\\": true,\\n \\\"comments\\\": \\\"The information provided is consistent across all fields. The loan purpose aligns with the requested amount and the customer\u0027s employment status.\\\"\\n },\\n \\\"red_flags_or inconsistencies\\\": {\\n \\\"red_flags\\\": [],\\n \\\"comments\\\": \\\"No red flags or inconsistencies detected. The requested loan amount of $10,000 is reasonable given the annual income of $75,000.\\\"\\n },\\n \\\"overall_application_quality_score\\\": 95,\\n \\\"comments\\\": \\\"The application is of high quality with complete and accurate information. The only minor consideration is the relatively low requested amount compared to the annual income, but it does not raise any concerns.\\\"\\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\": 192, \"total_tokens\": 392, \"estimated_cost\": {\"amount\": 0.000145, \"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": 192,
"estimated_cost": {
"amount": 0.000145,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 200,
"provider": "openai",
"total_tokens": 392
}
},
"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": 0.192518,
"end_time": "2025-07-16T08:00:32.382128",
"message_sent": true,
"start_time": "2025-07-16T08:00:32.189610",
"timestamp": "2025-07-16T08:00:32.382128",
"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": 0.229165,
"end_time": "2025-07-16T08:00:45.931261",
"message_sent": true,
"start_time": "2025-07-16T08:00:45.702096",
"timestamp": "2025-07-16T08:00:45.931261",
"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": 0.3590686274509804,
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"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\": 41.666666666666664, \"total_debt_payments\": 2441.6666666666665, \"debt_to_income_ratio\": 0.3590686274509804, \"ratio_acceptable\": true, \"max_allowed_ratio\": 0.4}\n",
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"credit_history_length": "5 years",
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"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",
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"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",
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"ai_response": "Based on the provided compliance check results, here is the consolidated 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 \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Proceed with the loan application as all compliance checks are satisfactory.\",\n \"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\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 loan application and maintain ongoing monitoring of compliance.\n5. **Compliance Confidence Score**: A score of 98 reflects a high level of confidence in the compliance status of the application.",
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"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"
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"output": "Based on the provided compliance check results, here is the consolidated 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 \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Proceed with the loan application as all compliance checks are satisfactory.\",\n \"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\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 loan application and maintain ongoing monitoring of compliance.\n5. **Compliance Confidence Score**: A score of 98 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 the consolidated 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 \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Proceed with the loan application as all compliance checks are satisfactory.\\\",\\n \\\"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\\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 loan application and maintain ongoing monitoring of compliance.\\n5. **Compliance Confidence Score**: A score of 98 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\": 2229, \"completion_tokens\": 305, \"total_tokens\": 2534, \"estimated_cost\": {\"amount\": 0.000517, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided compliance check results, here is the consolidated 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 \"gaps\": [],\n \"concerns\": []\n },\n \"recommendations_for_proceeding\": [\n \"Proceed with the loan application as all compliance checks are satisfactory.\",\n \"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\"\n ],\n \"compliance_confidence_score\": 98\n}\n```\n\n### Explanation:\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\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 loan application and maintain ongoing monitoring of compliance.\n5. **Compliance Confidence Score**: A score of 98 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 the consolidated 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 \\\"gaps\\\": [],\\n \\\"concerns\\\": []\\n },\\n \\\"recommendations_for_proceeding\\\": [\\n \\\"Proceed with the loan application as all compliance checks are satisfactory.\\\",\\n \\\"Continue to monitor compliance with KYC, AML, and regulatory requirements on an ongoing basis.\\\"\\n ],\\n \\\"compliance_confidence_score\\\": 98\\n}\\n```\\n\\n### Explanation:\\n1. **Overall Compliance Status**: The application is compliant with all necessary checks.\\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 loan application and maintain ongoing monitoring of compliance.\\n5. **Compliance Confidence Score**: A score of 98 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\": 2229, \"completion_tokens\": 305, \"total_tokens\": 2534, \"estimated_cost\": {\"amount\": 0.000517, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were successfully verified, leading to a lack of consistency in the provided information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"validation_issues\": [\n \"All documents returned invalid status\",\n \"No matching names or addresses found\",\n \"No OCR confidence in any document\"\n ],\n \"comments\": \"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application.\",\n \"comments\": \"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\"\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\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were successfully verified, leading to a lack of consistency in the provided information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"validation_issues\": [\n \"All documents returned invalid status\",\n \"No matching names or addresses found\",\n \"No OCR confidence in any document\"\n ],\n \"comments\": \"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application.\",\n \"comments\": \"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were successfully verified, leading to a lack of consistency in the provided information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"validation_issues\\\": [\\n \\\"All documents returned invalid status\\\",\\n \\\"No matching names or addresses found\\\",\\n \\\"No OCR confidence in any document\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application.\\\",\\n \\\"comments\\\": \\\"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1039, \"completion_tokens\": 213, \"total_tokens\": 1252, \"estimated_cost\": {\"amount\": 0.000284, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
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"output": "```json\n{\n \"overall_verification_success_rate\": 0,\n \"consistency_across_documents\": {\n \"consistent\": false,\n \"comments\": \"No documents were successfully verified, leading to a lack of consistency in the provided information.\"\n },\n \"risk_factors_identified\": {\n \"missing_documents\": [\n \"PAN card\",\n \"Aadhaar card\",\n \"Passport\",\n \"Address proof\"\n ],\n \"validation_issues\": [\n \"All documents returned invalid status\",\n \"No matching names or addresses found\",\n \"No OCR confidence in any document\"\n ],\n \"comments\": \"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\"\n },\n \"recommendation_for_proceeding\": {\n \"action\": \"Do not proceed with the application.\",\n \"comments\": \"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\"\n }\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"overall_verification_success_rate\\\": 0,\\n \\\"consistency_across_documents\\\": {\\n \\\"consistent\\\": false,\\n \\\"comments\\\": \\\"No documents were successfully verified, leading to a lack of consistency in the provided information.\\\"\\n },\\n \\\"risk_factors_identified\\\": {\\n \\\"missing_documents\\\": [\\n \\\"PAN card\\\",\\n \\\"Aadhaar card\\\",\\n \\\"Passport\\\",\\n \\\"Address proof\\\"\\n ],\\n \\\"validation_issues\\\": [\\n \\\"All documents returned invalid status\\\",\\n \\\"No matching names or addresses found\\\",\\n \\\"No OCR confidence in any document\\\"\\n ],\\n \\\"comments\\\": \\\"The absence of valid documents raises significant concerns regarding the authenticity of the applicant\u0027s identity and address.\\\"\\n },\\n \\\"recommendation_for_proceeding\\\": {\\n \\\"action\\\": \\\"Do not proceed with the application.\\\",\\n \\\"comments\\\": \\\"Due to the complete failure of document verification, it is recommended to request the applicant to provide valid and verifiable documents before considering any further steps.\\\"\\n }\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1039, \"completion_tokens\": 213, \"total_tokens\": 1252, \"estimated_cost\": {\"amount\": 0.000284, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"ai_response": "Based on the provided credit data, we can analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Total Outstanding Loans**: 125000\n\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\n\n### 5. Overall Risk Profile\n- **Financial Discipline**: Excellent repayment track record.\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\n\n### Risk Score Calculation\nConsidering the above factors:\n- **Credit Score**: 720 (Good) - Low risk\n- **Payment History**: 99% on-time - Low risk\n- **Credit Utilization**: 35.5% - Moderate risk\n- **Loan Burden Ratio**: 28% - Low risk\n- **Repayment Patterns**: Excellent - Low risk\n\n### Risk Score: 15/100\n(Where 1 is the lowest risk and 100 is the highest risk)\n\n### Recommendations\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\n\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.",
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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 can analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Total Outstanding Loans**: 125000\n\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\n\n### 5. Overall Risk Profile\n- **Financial Discipline**: Excellent repayment track record.\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\n\n### Risk Score Calculation\nConsidering the above factors:\n- **Credit Score**: 720 (Good) - Low risk\n- **Payment History**: 99% on-time - Low risk\n- **Credit Utilization**: 35.5% - Moderate risk\n- **Loan Burden Ratio**: 28% - Low risk\n- **Repayment Patterns**: Excellent - Low risk\n\n### Risk Score: 15/100\n(Where 1 is the lowest risk and 100 is the highest risk)\n\n### Recommendations\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\n\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Total Outstanding Loans**: 125000\\n\\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline**: Excellent repayment track record.\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\\n\\n### Risk Score Calculation\\nConsidering the above factors:\\n- **Credit Score**: 720 (Good) - Low risk\\n- **Payment History**: 99% on-time - Low risk\\n- **Credit Utilization**: 35.5% - Moderate risk\\n- **Loan Burden Ratio**: 28% - Low risk\\n- **Repayment Patterns**: Excellent - Low risk\\n\\n### Risk Score: 15/100\\n(Where 1 is the lowest risk and 100 is the highest risk)\\n\\n### Recommendations\\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\\n\\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1521, \"completion_tokens\": 731, \"total_tokens\": 2252, \"estimated_cost\": {\"amount\": 0.000667, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "Based on the provided credit data, we can analyze the default risk using the following factors:\n\n### 1. Credit Score and History\n- **CIBIL Score**: 720 (Good)\n- **Payment History**: 99% on-time\n- **Total Accounts**: 8 (6 active, 2 closed)\n- **Credit Utilization**: 35.5%\n- **Credit History Length**: 5 years\n\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\n\n### 3. Credit Utilization\n- **Credit Limit Utilization**: 35.2%\n\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\n\n### 4. Existing Loan Burden\n- **Total Monthly EMI**: 7700\n- **Loan Burden Ratio**: 0.28 (28%)\n- **Total Outstanding Loans**: 125000\n\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\n\n### 5. Overall Risk Profile\n- **Financial Discipline**: Excellent repayment track record.\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\n\n### Risk Score Calculation\nConsidering the above factors:\n- **Credit Score**: 720 (Good) - Low risk\n- **Payment History**: 99% on-time - Low risk\n- **Credit Utilization**: 35.5% - Moderate risk\n- **Loan Burden Ratio**: 28% - Low risk\n- **Repayment Patterns**: Excellent - Low risk\n\n### Risk Score: 15/100\n(Where 1 is the lowest risk and 100 is the highest risk)\n\n### Recommendations\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\n\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\n__OUTPUTS__ {\"ai_response\": \"Based on the provided credit data, we can analyze the default risk using the following factors:\\n\\n### 1. Credit Score and History\\n- **CIBIL Score**: 720 (Good)\\n- **Payment History**: 99% on-time\\n- **Total Accounts**: 8 (6 active, 2 closed)\\n- **Credit Utilization**: 35.5%\\n- **Credit History Length**: 5 years\\n\\n**Analysis**: A CIBIL score of 720 is considered good, indicating that the applicant has a solid credit history. The payment history of 99% on-time payments is excellent, suggesting a strong likelihood of timely repayments in the future.\\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 that the applicant has a very low default rate and a high percentage of on-time payments. While there are some late payments, they are relatively minor, indicating that the applicant is generally reliable in repaying debts.\\n\\n### 3. Credit Utilization\\n- **Credit Limit Utilization**: 35.2%\\n\\n**Analysis**: A credit utilization rate of 35.2% is within acceptable limits (generally below 30% is ideal, but up to 40% is still manageable). This suggests that the applicant is not overly reliant on credit.\\n\\n### 4. Existing Loan Burden\\n- **Total Monthly EMI**: 7700\\n- **Loan Burden Ratio**: 0.28 (28%)\\n- **Total Outstanding Loans**: 125000\\n\\n**Analysis**: The loan burden ratio of 28% indicates that the applicant\u0027s debt obligations are manageable relative to their income. This is below the typical threshold of 40%, which is considered acceptable for debt servicing.\\n\\n### 5. Overall Risk Profile\\n- **Financial Discipline**: Excellent repayment track record.\\n- **Income Stability**: The applicant has a stable income and a good debt-to-income ratio, which supports their ability to service existing debts.\\n\\n### Risk Score Calculation\\nConsidering the above factors:\\n- **Credit Score**: 720 (Good) - Low risk\\n- **Payment History**: 99% on-time - Low risk\\n- **Credit Utilization**: 35.5% - Moderate risk\\n- **Loan Burden Ratio**: 28% - Low risk\\n- **Repayment Patterns**: Excellent - Low risk\\n\\n### Risk Score: 15/100\\n(Where 1 is the lowest risk and 100 is the highest risk)\\n\\n### Recommendations\\n1. **Continue Monitoring**: Maintain regular monitoring of the applicant\u0027s credit behavior and repayment patterns to ensure they remain stable.\\n2. **Encourage Financial Discipline**: The applicant should continue to manage their credit utilization and repayment habits to maintain a good credit score.\\n3. **Consider Loan Approval**: Given the low risk score, the applicant may be considered for loan approval, but it is advisable to ensure that they maintain their current financial discipline and address any late payment issues to further improve their credit profile.\\n4. **Educate on Credit Management**: Provide resources or advice on managing credit utilization effectively, aiming to keep it below 30% for optimal credit scoring.\\n\\nOverall, the applicant presents a low risk for default, making them a suitable candidate for credit products.\", \"model_client_id\": \"risk_assessor\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1521, \"completion_tokens\": 731, \"total_tokens\": 2252, \"estimated_cost\": {\"amount\": 0.000667, \"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\": 411, \"completion_tokens\": 54, \"total_tokens\": 465, \"estimated_cost\": {\"amount\": 9.4e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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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\": 411, \"completion_tokens\": 54, \"total_tokens\": 465, \"estimated_cost\": {\"amount\": 9.4e-05, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
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"status": "completed",
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"task_id": "extract_aadhaar_info",
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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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"provider": "openai",
"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\": 1023, \"completion_tokens\": 98, \"total_tokens\": 1121, \"estimated_cost\": {\"amount\": 0.000212, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"output_format": "json",
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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\": 1023, \"completion_tokens\": 98, \"total_tokens\": 1121, \"estimated_cost\": {\"amount\": 0.000212, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"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": 10000
},
"execution_details": {
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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\": 10000}, \"missing_fields\": []}\n",
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"worker_executed": true,
"workers_notified": true
},
"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\": 10000}, \"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```",
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"provider": "openai",
"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\": 507, \"completion_tokens\": 45, \"total_tokens\": 552, \"estimated_cost\": {\"amount\": 0.000103, \"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\": 507, \"completion_tokens\": 45, \"total_tokens\": 552, \"estimated_cost\": {\"amount\": 0.000103, \"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 \"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"
},
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"output": "```json\n{\n \"passport_number\": \"A1234567\",\n \"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 \\\"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\": 829, \"completion_tokens\": 120, \"total_tokens\": 949, \"estimated_cost\": {\"amount\": 0.000196, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "```json\n{\n \"passport_number\": \"A1234567\",\n \"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 \\\"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\": 829, \"completion_tokens\": 120, \"total_tokens\": 949, \"estimated_cost\": {\"amount\": 0.000196, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"final_underwriting_analysis": {
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"ai_response": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $10,000\n- **Proposed EMI**: $41.67\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\n\n#### Risk Mitigation Measures:\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\n\n#### Reasoning for Decision:\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\n \n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\n\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\n\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\n\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\n\n#### Confidence Level: 85\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.",
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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- **Requested Loan Amount**: $10,000\n- **Proposed EMI**: $41.67\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\n\n#### Risk Mitigation Measures:\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\n\n#### Reasoning for Decision:\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\n \n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\n\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\n\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\n\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\n\n#### Confidence Level: 85\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $10,000\\n- **Proposed EMI**: $41.67\\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\\n\\n#### Risk Mitigation Measures:\\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\\n\\n#### Reasoning for Decision:\\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\\n \\n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\\n\\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\\n\\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\\n\\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\\n\\n#### Confidence Level: 85\\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 4953, \"completion_tokens\": 417, \"total_tokens\": 5370, \"estimated_cost\": {\"amount\": 0.000993, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"output": "### Final Recommendation: DECLINE\n\n#### Loan Terms and Conditions:\n- **Requested Loan Amount**: $10,000\n- **Proposed EMI**: $41.67\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\n\n#### Risk Mitigation Measures:\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\n\n#### Reasoning for Decision:\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\n \n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\n\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\n\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\n\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\n\n#### Confidence Level: 85\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\n__OUTPUTS__ {\"ai_response\": \"### Final Recommendation: DECLINE\\n\\n#### Loan Terms and Conditions:\\n- **Requested Loan Amount**: $10,000\\n- **Proposed EMI**: $41.67\\n- **Loan Duration**: Not specified, but typically 1-5 years for personal loans.\\n\\n#### Risk Mitigation Measures:\\n1. **Request for Valid Documentation**: The applicant must provide valid and verifiable documents (PAN card, Aadhaar card, Passport, Address proof) before any further consideration of the loan application.\\n2. **Enhanced Verification Process**: Implement a more stringent verification process for future applications to ensure that all documents are valid and consistent.\\n\\n#### Reasoning for Decision:\\n1. **Document Verification Failure**: The most significant concern is the complete failure of document verification. No documents were successfully verified, leading to a lack of consistency in the provided information. This raises serious concerns about the authenticity of the applicant\u0027s identity and address.\\n \\n2. **High Application Quality**: While the application quality score is high (95), indicating completeness and accuracy, the inability to verify the documents overshadows this positive aspect. The absence of valid documents is a critical red flag that cannot be overlooked.\\n\\n3. **Income and Debt Assessment**: The applicant has a stable income with a good debt-to-income ratio (0.359), which is within acceptable limits. However, without verified documentation, this information cannot be trusted.\\n\\n4. **Credit Profile**: The applicant has a good CIBIL score (720) and an excellent payment history (99% on-time). However, the overall risk profile is compromised due to the document verification issues.\\n\\n5. **Compliance Status**: Although the compliance checks are satisfactory, the lack of valid documentation means that compliance cannot be fully assured.\\n\\n#### Confidence Level: 85\\nWhile the applicant shows potential as a low-risk candidate based on income and credit history, the inability to verify identity and address documents significantly lowers confidence in proceeding with the loan application. The decision to decline is made with the understanding that valid documentation is essential for any future consideration.\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 4953, \"completion_tokens\": 417, \"total_tokens\": 5370, \"estimated_cost\": {\"amount\": 0.000993, \"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\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"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": 10000,
"monthly_emi": 45.42,
"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\": 10000, \"interest_rate\": 9.0, \"tenure_months\": 240, \"monthly_emi\": 45.42, \"processing_fee\": 120.0, \"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": 0.3590686274509804,
"risk_category": "high"
},
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"output": "__OUTPUTS__ {\"application_id\": \"123\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 0.3590686274509804, \"compliance_status\": \"compliant\", \"risk_category\": \"high\"}, \"next_steps\": [\"Customer notification\", \"Document archival\", \"Compliance reporting\"]}\n",
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"output": "__OUTPUTS__ {\"application_id\": \"123\", \"processing_date\": \"2024-07-15\", \"workflow_status\": \"completed\", \"processing_time_minutes\": 45, \"decision_summary\": {\"credit_score\": 337.9, \"debt_to_income_ratio\": 0.3590686274509804, \"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_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"bounced_transactions\": 0,\n \"account_balance_trend\": \"stable\",\n \"irregular_transactions\": false,\n \"comments\": \"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and employment stability.\",\n \"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\"\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"
},
"input_format": "json",
"model_client_id": "underwriting_analyst",
"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"bounced_transactions\": 0,\n \"account_balance_trend\": \"stable\",\n \"irregular_transactions\": false,\n \"comments\": \"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and employment stability.\",\n \"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"bounced_transactions\\\": 0,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and employment stability.\\\",\\n \\\"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1198, \"completion_tokens\": 373, \"total_tokens\": 1571, \"estimated_cost\": {\"amount\": 0.000403, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
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"model": "gpt-4o-mini",
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"output": "```json\n{\n \"income_stability_assessment\": {\n \"annual_net_income\": 81600,\n \"monthly_net_income\": 6800,\n \"salary_consistency\": true,\n \"employment_duration\": \"2.5 years\",\n \"recent_increment\": true,\n \"comments\": \"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\"\n },\n \"debt_servicing_capability\": {\n \"monthly_net_income\": 6800,\n \"total_debt_payments\": 2441.67,\n \"debt_to_income_ratio\": 0.359,\n \"max_allowed_ratio\": 0.4,\n \"ratio_acceptable\": true,\n \"comments\": \"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\"\n },\n \"financial_discipline_evaluation\": {\n \"financial_discipline_score\": 85.5,\n \"bounced_transactions\": 0,\n \"account_balance_trend\": \"stable\",\n \"irregular_transactions\": false,\n \"comments\": \"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\"\n },\n \"risk_factors_and_recommendations\": {\n \"risk_factors\": [],\n \"recommendations\": [\n \"Continue monitoring income growth and employment stability.\",\n \"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\"\n ],\n \"comments\": \"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\"\n },\n \"overall_income_adequacy_score\": 92,\n \"comments\": \"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\"\n}\n```\n__OUTPUTS__ {\"ai_response\": \"```json\\n{\\n \\\"income_stability_assessment\\\": {\\n \\\"annual_net_income\\\": 81600,\\n \\\"monthly_net_income\\\": 6800,\\n \\\"salary_consistency\\\": true,\\n \\\"employment_duration\\\": \\\"2.5 years\\\",\\n \\\"recent_increment\\\": true,\\n \\\"comments\\\": \\\"The applicant has a stable income with a consistent salary history and a recent increment, indicating positive income growth.\\\"\\n },\\n \\\"debt_servicing_capability\\\": {\\n \\\"monthly_net_income\\\": 6800,\\n \\\"total_debt_payments\\\": 2441.67,\\n \\\"debt_to_income_ratio\\\": 0.359,\\n \\\"max_allowed_ratio\\\": 0.4,\\n \\\"ratio_acceptable\\\": true,\\n \\\"comments\\\": \\\"The debt-to-income ratio is within acceptable limits, indicating that the applicant has sufficient income to service existing debts.\\\"\\n },\\n \\\"financial_discipline_evaluation\\\": {\\n \\\"financial_discipline_score\\\": 85.5,\\n \\\"bounced_transactions\\\": 0,\\n \\\"account_balance_trend\\\": \\\"stable\\\",\\n \\\"irregular_transactions\\\": false,\\n \\\"comments\\\": \\\"The applicant demonstrates strong financial discipline with no bounced transactions and a stable account balance trend.\\\"\\n },\\n \\\"risk_factors_and_recommendations\\\": {\\n \\\"risk_factors\\\": [],\\n \\\"recommendations\\\": [\\n \\\"Continue monitoring income growth and employment stability.\\\",\\n \\\"Encourage maintaining the current financial discipline to ensure ongoing debt servicing capability.\\\"\\n ],\\n \\\"comments\\\": \\\"No significant risk factors identified. The applicant appears to be a low-risk candidate for loan underwriting.\\\"\\n },\\n \\\"overall_income_adequacy_score\\\": 92,\\n \\\"comments\\\": \\\"The applicant\u0027s income is adequate for the requested loan amount, with strong financial discipline and a stable income profile.\\\"\\n}\\n```\", \"model_client_id\": \"underwriting_analyst\", \"agent_type\": \"assistant\", \"model\": \"gpt-4o-mini\", \"provider\": \"openai\", \"status\": \"completed\", \"token_usage\": {\"prompt_tokens\": 1198, \"completion_tokens\": 373, \"total_tokens\": 1571, \"estimated_cost\": {\"amount\": 0.000403, \"currency\": \"USD\"}, \"model\": \"gpt-4o-mini\", \"provider\": \"openai\"}}",
"provider": "openai",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "income_assessment",
"token_usage": {
"completion_tokens": 373,
"estimated_cost": {
"amount": 0.000403,
"currency": "USD"
},
"model": "gpt-4o-mini",
"prompt_tokens": 1198,
"provider": "openai",
"total_tokens": 1571
}
},
"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,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.217111,
"end_time": "2025-07-16T08:00:46.946768",
"message_sent": true,
"start_time": "2025-07-16T08:00:46.729657",
"timestamp": "2025-07-16T08:00:46.946768",
"worker_executed": true,
"workers_notified": true
},
"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": {
"address_verified": true,
"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,
"status": "completed",
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},
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"end_time": "2025-07-16T08:00:46.199526",
"message_sent": true,
"start_time": "2025-07-16T08:00:45.966512",
"timestamp": "2025-07-16T08:00:46.199526",
"worker_executed": true,
"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"
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"end_time": "2025-07-16T07:57:13.670668",
"message_sent": true,
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"timestamp": "2025-07-16T07:57:13.670668",
"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": "",
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"tool_name": "ocr_image_url"
},
"ocr_address_proof": {
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"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_address_proof"
},
"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": 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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"end_time": "2025-07-16T07:57:13.553816",
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"timestamp": "2025-07-16T07:57:13.553816",
"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_passport",
"tool_name": "ocr_image_url"
},
"regulatory_compliance": {
"audit_trail_complete": true,
"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",
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},
"duration_seconds": 0.203261,
"end_time": "2025-07-16T08:00:46.692209",
"message_sent": true,
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"timestamp": "2025-07-16T08:00:46.692209",
"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"
},
"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": 0.000914,
"ended_at": "2025-07-16T08:00:57.608231",
"evaluation_details": {},
"execution_details": {
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"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\": 0.000914, \"started_at\": \"2025-07-16T08:00:57.607317\", \"ended_at\": \"2025-07-16T08:00:57.608231\"}",
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},
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"timestamp": "2025-07-16T08:00:57.662805",
"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\": 0.000914, \"started_at\": \"2025-07-16T08:00:57.607317\", \"ended_at\": \"2025-07-16T08:00:57.608231\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
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"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"error": "Python script failed with return code 1: File \"/tmp/tmpw0td1q4s.py\", line 121\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 121)\n",
"execution_details": {
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},
"output": "Task failed: Python script failed with return code 1: File \"/tmp/tmpw0td1q4s.py\", line 121\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 121)\n",
"status": "FAILED",
"task_id": "upload_to_supabase"
},
"validate_application_fields": {
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"return_code": 0,
"status": "completed",
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},
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},
"missing_fields": [],
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"return_code": 0,
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"task_id": "validate_application_fields",
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},
"verify_aadhaar": {
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"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,
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},
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"end_time": "2025-07-16T07:57:15.947428",
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},
"extracted_from_ocr": false,
"gender": "N/A",
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"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,
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},
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"document_date": "N/A",
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"execution_details": {
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"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,
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},
"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,
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"stderr": "",
"task_id": "verify_address_proof",
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},
"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,
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},
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"end_time": "2025-07-16T08:00:20.769910",
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"start_time": "2025-07-16T08:00:20.519700",
"timestamp": "2025-07-16T08:00:20.769910",
"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",
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"status": "completed",
"stderr": "",
"task_id": "verify_employment"
},
"verify_pan_card": {
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"document_found": false,
"document_url": "https://i.pinimg.com/736x/d8/84/99/d8849986f23d93e38061ce3aae9a445b.jpg",
"error": "Error processing PAN card: name \u0027UNRESOLVED_ocr_pan_card\u0027 is not defined",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"processing_error\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Error processing PAN card: name \u0027UNRESOLVED_ocr_pan_card\u0027 is not defined\", \"document_url\": \"https://i.pinimg.com/736x/d8/84/99/d8849986f23d93e38061ce3aae9a445b.jpg\"}\n",
"return_code": 0,
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},
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"end_time": "2025-07-16T08:00:15.141805",
"message_sent": true,
"start_time": "2025-07-16T08:00:14.881191",
"timestamp": "2025-07-16T08:00:15.141805",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"father_name": "N/A",
"is_valid": false,
"name_match": false,
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"processing_error\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Error processing PAN card: name \u0027UNRESOLVED_ocr_pan_card\u0027 is not defined\", \"document_url\": \"https://i.pinimg.com/736x/d8/84/99/d8849986f23d93e38061ce3aae9a445b.jpg\"}\n",
"pan_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 0.0,
"verified_name": "N/A"
},
"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": 0.232166,
"end_time": "2025-07-16T07:57:16.104406",
"message_sent": true,
"start_time": "2025-07-16T07:57:15.872240",
"timestamp": "2025-07-16T07:57:16.104406",
"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": 0.238824,
"end_time": "2025-07-16T08:00:20.430133",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.191309",
"timestamp": "2025-07-16T08:00:20.430133",
"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": 0.000914,
"ended_at": "2025-07-16T08:00:57.608231",
"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\": 0.000914, \"started_at\": \"2025-07-16T08:00:57.607317\", \"ended_at\": \"2025-07-16T08:00:57.608231\"}",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.161372,
"end_time": "2025-07-16T08:00:57.662805",
"message_sent": true,
"start_time": "2025-07-16T08:00:57.501433",
"timestamp": "2025-07-16T08:00:57.662805",
"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\": 0.000914, \"started_at\": \"2025-07-16T08:00:57.607317\", \"ended_at\": \"2025-07-16T08:00:57.608231\"}",
"return_code": 0,
"route_reason": "no_conditions_matched",
"router_type": "condition",
"selected_route": "manual_review_path",
"started_at": "2025-07-16T08:00:57.607317",
"status": "completed",
"stderr": "",
"task_id": "underwriting_decision_router"
},
"upload_to_supabase": {
"error": "Python script failed with return code 1: File \"/tmp/tmpw0td1q4s.py\", line 121\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 121)\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/tmpw0td1q4s.py\", line 121\n pan_card_url = \"\n ^\nSyntaxError: unterminated string literal (detected at line 121)\n",
"status": "FAILED",
"task_id": "upload_to_supabase"
},
"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": 0.188404,
"end_time": "2025-07-16T07:57:07.794273",
"message_sent": true,
"start_time": "2025-07-16T07:57:07.605869",
"timestamp": "2025-07-16T07:57:07.794273",
"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
},
"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": 0.300238,
"end_time": "2025-07-16T07:57:15.947428",
"message_sent": true,
"start_time": "2025-07-16T07:57:15.647190",
"timestamp": "2025-07-16T07:57:15.947428",
"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": 0.224735,
"end_time": "2025-07-16T08:00:15.269414",
"message_sent": true,
"start_time": "2025-07-16T08:00:15.044679",
"timestamp": "2025-07-16T08:00:15.269414",
"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": 0.25021,
"end_time": "2025-07-16T08:00:20.769910",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.519700",
"timestamp": "2025-07-16T08:00:20.769910",
"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": {
"date_of_birth": "N/A",
"document_found": false,
"document_url": "https://i.pinimg.com/736x/d8/84/99/d8849986f23d93e38061ce3aae9a445b.jpg",
"error": "Error processing PAN card: name \u0027UNRESOLVED_ocr_pan_card\u0027 is not defined",
"execution_details": {
"actual_result": {
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"processing_error\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Error processing PAN card: name \u0027UNRESOLVED_ocr_pan_card\u0027 is not defined\", \"document_url\": \"https://i.pinimg.com/736x/d8/84/99/d8849986f23d93e38061ce3aae9a445b.jpg\"}\n",
"return_code": 0,
"status": "completed",
"stderr": ""
},
"duration_seconds": 0.260614,
"end_time": "2025-07-16T08:00:15.141805",
"message_sent": true,
"start_time": "2025-07-16T08:00:14.881191",
"timestamp": "2025-07-16T08:00:15.141805",
"worker_executed": true,
"workers_notified": true
},
"extracted_from_ocr": false,
"father_name": "N/A",
"is_valid": false,
"name_match": false,
"ocr_confidence": 0.0,
"output": "__OUTPUTS__ {\"pan_number\": \"N/A\", \"is_valid\": false, \"name_match\": false, \"status\": \"processing_error\", \"verification_score\": 0.0, \"verified_name\": \"N/A\", \"father_name\": \"N/A\", \"date_of_birth\": \"N/A\", \"ocr_confidence\": 0.0, \"document_found\": false, \"extracted_from_ocr\": false, \"error\": \"Error processing PAN card: name \u0027UNRESOLVED_ocr_pan_card\u0027 is not defined\", \"document_url\": \"https://i.pinimg.com/736x/d8/84/99/d8849986f23d93e38061ce3aae9a445b.jpg\"}\n",
"pan_number": "N/A",
"return_code": 0,
"status": "completed",
"stderr": "",
"task_id": "verify_pan_card",
"verification_score": 0.0,
"verified_name": "N/A"
},
"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": 0.232166,
"end_time": "2025-07-16T07:57:16.104406",
"message_sent": true,
"start_time": "2025-07-16T07:57:15.872240",
"timestamp": "2025-07-16T07:57:16.104406",
"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": 0.238824,
"end_time": "2025-07-16T08:00:20.430133",
"message_sent": true,
"start_time": "2025-07-16T08:00:20.191309",
"timestamp": "2025-07-16T08:00:20.430133",
"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
}
}