U+ Bank wants to offer credit cards only to low-risk customers. The customers are divided into various risk segments from Good to Very Poor. The risk segmentation rules that the business provides use the Average Balance and the customer Credit Score. As a decisioning consultant, you decide to use a decision table and a decision strategy to accomplish this requirement in Pega Customer Decision HubTM.
Using the decision table, which label is returned for a customer with a credit score of 240 and an average balance 35000?
Answer(s): A
Explanation:
Decision Table Processing: The decision table is configured to evaluate the customer's credit score and average balance to determine the risk segmentation.
Conditions Evaluation:
For a credit score of 240 and an average balance of 35,000:
The first condition checks if the credit score is >= 400 and < 600, and average balance is >= 30,000, which does not match.
The second condition checks if the credit score is >= 200 and < 400, and average balance is >= 20,000, which matches both the credit score (240) and the average balance (35,000). Therefore, the correct result for these conditions is "Fair".
Reference:
This is derived from typical Pega Decision Table configuration and logical evaluation as described in Pega documentation on using decision tables for such scenarios .