The bank had no scorecard for underwriting process for its WC, BL, PL, Agri –TL products; leading to a non-standardized underwriting process. This further led to high TAT, low productivity, low FTR % etc. The mandate was to develop a customized credit underwriting algorithm and parameterized scorecard for new customers and renewal customers of WC, BL, PL, Agri –TL, affordable housing products, by doing comprehensive testing of historical data, defining weighted average scoring model, defining critical Go / No Go parameters and creating final scorecard solution