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Sentinel vs Scorecard BRE · Bullet Loan · 15–30 Days

One user. Two engines.

The same applicant walks into two underwriting systems. A legacy scorecard rules engine sees a number and a checklist. Sentinel sees default probability at every loan amount — and prices the decision.
Use ← → keys to switch users while presenting · 🎲 randomizes profiles without breaking the story
Legacy Scorecard BRE
RULES · CUTOFFS
Static score cutoffs + eligibility gates. Amount by income multiplier.
    DEFAULT RISK VISIBILITY
    — NONE —
    This engine cannot see the probability of the loan coming back.
    Sentinel
    BASIC V4 · SEQUENCE MODEL
    Default probability computed at every amount · 30-day bullet construct.
    PD BY LOAN AMOUNT

    Three borrowers. Same data available to both engines.

    The scorecard was wrong three different ways.
    BorrowerScorecard BRESentinelWhat it means
    See the risk others can't.
    Sentinel by GoCredit × TARA AI Labs
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    Illustrative simulation for demonstration. Profiles are synthetic; probabilities are representative model outputs, not live bureau data.