Governance · operational control summary
Account-to-rural-origination controls
Control status across account monitoring, early-warning triage, evidence qualification and application conversion. Product actions remain inspectable and human-owned.
RM investigation
Pending assignment
Lakshmi review
Pending review
KCC-AH application
Not created
Operating control register
Active means the product surface enforces or exposes the control; it does not discharge the bank’s policy or validation obligations.
| Control | Product operation | Accountable owner | Status |
|---|---|---|---|
| Evidence lineage | Source, artefact and reconciliation reason retained on account, signal and lead records. | Credit operations | Active |
| Human decision boundary | Models may qualify evidence and recommend action; bank officers investigate, appraise and decide. | Credit risk | Active |
| Exception retention | Unresolved cluster records and Lakshmi’s two payment mismatches remain visible through conversion. | Operations risk | Active |
| Servicing separation | Early-warning investigation does not alter DPD, SMA band or asset classification. | Portfolio risk | Active |
| Workflow persistence | RM assignment, lead review and application creation are retained in the local operating state. | Product control | Active |
Human authority
The RM investigates early-warning alerts. Credit officers resolve evidence conflicts and appraise the KCC-AH request. Only authorised bank roles change limits, classification or sanction status.
Regulatory instrument status
Model-risk requirements shown here are control design references. The cited RBI model-risk guidance remains draft and requires bank-owned implementation, validation and approval.
Accountability position