Credit Transformation

Decision Governance

Business Rule Governance Center

Govern high-impact business rules through controlled ownership, version comparison, maker-checker approval, impact analysis, regression scenarios, and activation evidence.

Governed Rules

6

High-impact sample rules

Active Rules

2

Pending Change

4

Critical Rules

3

Linked UAT

11

Regression evidence

Business Rule Registry

Controlled ownership, lifecycle, versions, and traceability for decision-sensitive rules.

BR004 / Under Review
RuleVersionStatusRiskOwnerApproverEffectiveCoverage
2.2 → 2.3Under ReviewHighCredit AdminApprover2026-09-01

91%

2.1 → 2.2ApprovedCriticalCredit AnalystApprover2026-08-15

100%

1.4 → 1.4ActiveCriticalCredit AnalystApprover2026-04-01

73%

3.0 → 3.1DraftCriticalApproverSystem Admin2026-10-01

91%

1.3 → 1.3ActiveHighSystem AdminApprover2026-03-15

73%

1.8 → 1.9ApprovedMediumCredit AdminApprover2026-08-01

100%

Rule Version Comparison

BR004: Close the gap between collateral ownership evidence, valuation recency, and security perfection readiness.

High

Current 2.2

Current

Property collateral requires title deed, valuation report, fire insurance policy, and charge document.

Proposed 2.3

Proposed

Add a current land search report and require valuation age of no more than 24 months before submission.

Maker: Credit Admin / Checker: Approver

Impact Analysis

Downstream scope that must move with the proposed rule.

Documents

Title Deed
Valuation Report
Land Search Report
Charge Document

Roles

RM
Credit Analyst
Credit Admin
Approver

Controls

Submission gate
Collateral recency validation
Security perfection checklist

UAT Scope

TC001
TC017
BA recommendation: keep 2.3 outside the active ruleset until linked requirements, regression evidence, operating procedure, and effective-date communication are complete.

Rule Scenario Test Lab

Execute the real checklist engine against controlled expected outcomes.

Tests the proposed land-search requirement before rule activation.

Expected: Expected design gap: DOC046 Land Search Report is not active until BR004 v2.3 is implemented.

RenewalTerm LoanPropertyMedium Risk

Activation Gate

Owner and checker separatedClear
Requirement linkage presentClear
UAT scope identifiedClear
Required scenario RT-005 passedBlocked
Effective date assignedClear

Traceability Coverage

BR004

Under Review

2

REQ

2

UAT

4

DOC

4

ROLE

BR005

Approved

3

REQ

3

UAT

3

DOC

3

ROLE

BR006

Active

1

REQ

1

UAT

2

DOC

3

ROLE

BR013

Draft

2

REQ

2

UAT

2

DOC

3

ROLE

BR014

Active

1

REQ

1

UAT

1

DOC

2

ROLE

BR015

Approved

3

REQ

3

UAT

2

DOC

3

ROLE