Intelligence Methodology
Last scan: 18 Apr 2026, 09:42 AM
RM

Intelligence Methodology

How Dufaa's two engines identify candidates and price loans — explained for the CEO

Engine 1 — Candidate Identification Algorithm

Engine 1 scans every active personal loan customer in Bank Al Bilad's portfolio and computes a Qualification Score from 0 to 100. This score is built from six weighted factors that together predict whether a customer is a good candidate for a Dufaa Loan Top-Up. The algorithm mirrors the credit risk criteria used by SAMA-regulated lenders, adapted specifically for the top-up use case.

6 Weighted Factors100-Point ScaleSAMA-Aligned DBR LimitsDeterministic & AuditableReal-Time Scoring
Current Portfolio Outcomes
Results from the last Engine 1 scan of 100 Bank Al Bilad customers
21
Qualified
21% of portfolio
38
Under Review
38% of portfolio
29
Rejected
29% of portfolio
12
Converted
12% of portfolio
The Scoring Formula
Each factor contributes a fixed maximum number of points. The total is capped at 100.
Score = Credit Score  (max 30 pts)
      + Debt Burden Ratio  (max 25 pts)
      + Employment Type    (max 20 pts)
      + Salary Transfer    (max 10 pts)
      + Payment History    (max 10 pts)
      + Remaining Tenure   (max  5 pts)
      ─────────────────────────────────
                           Total: 100 pts
Credit Score
30 / 100
Debt Burden Ratio
25 / 100
Employment Type
20 / 100
Salary Transfer
10 / 100
Payment History
10 / 100
Remaining Tenure
5 / 100
Factor Deep Dive
Click any factor to see the exact scoring thresholds used by the algorithm
Credit Score
30 pts

SIMAH credit bureau score reflecting the customer's overall creditworthiness and repayment history across all financial institutions.

Scoring Thresholds
800+— Excellent
30 / 30
750–799— Very Good
25 / 30
700–749— Good
20 / 30
650–699— Fair
14 / 30
600–649— Below Average
8 / 30
Below 600— Poor
2 / 30
Debt Burden Ratio
25 pts
Employment Type
20 pts
Salary Transfer
10 pts
Payment History
10 pts
Remaining Tenure
5 pts
Qualified
≥ 60 pts
Score ≥ 60 AND no hard disqualification flags
Customer is immediately eligible for a Dufaa Loan Top-Up offer. Assigned to a Relationship Manager for outreach.
Under Review
40–59 pts
Score 40–59 OR score ≥ 60 with exactly 1 disqualification flag
Customer requires manual review by a credit officer before an offer is extended. Flagged for secondary assessment.
Rejected
< 40 pts
Score < 40 OR 2+ disqualification flags OR loan currently delinquent
Customer does not meet minimum criteria. Excluded from Engine 2. May be re-evaluated in the next quarterly scan.
Hard Disqualification Flags

Regardless of the numeric score, any customer with 2 or more of the following flags is automatically rejected. These are non-negotiable risk limits aligned with SAMA guidelines.

2+ Missed Payments
Two or more missed monthly instalments on the current BAB loan in the last 12 months.
DBR > 45%
Debt burden ratio exceeds the SAMA regulatory cap for personal lending.
Credit Score < 600
SIMAH score below 600 indicates material credit risk.
Loan Delinquent
Current loan is classified as delinquent (90+ days past due) in BAB's system.
Other Bank Loans > SAR 20K
Significant obligations at other institutions that reduce available DBR capacity.
< 6 Months Remaining
Insufficient loan history remaining to justify a top-up product.
Decision Flow
How Engine 1 routes each customer to a final status
Customer Scanned
100 BAB loan holders
Score Computed
6 factors, 0–100 pts
Hard Flags Checked
Delinquency, 2+ missed payments
Score threshold decision
✓
QUALIFIED
Score ≥ 60, no hard flags
⟳
UNDER REVIEW
Score 40–59 or 1 flag
✕
REJECTED
Score < 40 or 2+ flags
Try It Yourself
Use the simulator below to see how the algorithm scores any combination of customer attributes
Live Score Simulator
Adjust the sliders to see how the algorithm scores a customer in real time
720
300600750900
32%
10%25%40%60%
Salary Transfer to BAB
+10 points if yes
0
24 months
3m12m36m60m
Qualification Score
79
out of 100
Rejected <40Review 40–59Qualified 60+
Qualified
Score Breakdown
Credit Score
20/30
Debt Burden Ratio
14/25
Employment Type
20/20
Salary Transfer
10/10
Payment History
10/10
Remaining Tenure
5/5