Python Underwriting Module

Here's an example of a basic credit card underwriting module using Python:

class CreditCardUnderwriter:
    def __init__(self, credit_score, income):
        self.credit_score = credit_score
        self.income = income

    def evaluate_eligibility(self):
        if self.credit_score >= 700 and self.income >= 30000:
            return "Approved"
        elif self.credit_score >= 600 and self.income >= 25000:
            return "Conditional Approval"
        else:
            return "Declined"


# Example usage
credit_score = 720
income = 35000

underwriter = CreditCardUnderwriter(credit_score, income)
eligibility_status = underwriter.evaluate_eligibility()

print("Eligibility Status:", eligibility_status)

In the above code, we define a CreditCardUnderwriter class that takes a credit score and income as inputs during initialization. The evaluate_eligibility method evaluates the eligibility for a credit card based on certain criteria. In this example, a credit score of 700 or above and an income of 30000 or above result in "Approved" status, while a credit score of 600 or above and an income of 25000 or above result in "Conditional Approval" status. Any other combination leads to a "Declined" status.

You can customize the eligibility criteria and add more complex underwriting rules based on your specific requirements. Additionally, you can integrate this module with other parts of your fintech platform to process credit card applications and make underwriting decisions.