Built to make tradeoffs tangible

Credit box tradeoff simulator

Move the approval threshold and watch approval rate and expected loss rate move against each other — the core tension in every underwriting policy decision. This uses an illustrative model, not real portfolio data; it's built to make the shape of the tradeoff visible, not to price a real book.

Illustrative model: approval rate and loss rate are modeled as linear functions of the threshold, calibrated to a plausible mid-market unsecured lending curve. Real credit boxes are segment-specific and nonlinear — use this to build intuition about the shape of the tradeoff, not to set an actual policy.