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SCS driver explorer
Seed profile
Synthetic neutral explorer applicant
T1 Federal MoF senior officer, Springs Phase 5 townhouse
T1 ADNOC senior engineer, Mirdif Hills apartment
T1 SEHA consultant nurse, Town Square Hayat townhouse
T2 KPMG senior manager audit, Marina Promenade apartment
T2 MAF Group treasury, Mirdif Hills apartment
T2 Pfizer country manager, JLT Lake Terrace apartment
T2 ENBD operations manager, Discovery Gardens below price floor
T1 SEHA hospital admin, Sobha Hartland Greens apartment
T3 HSBC AVP sales and trading, Marina Heights apartment
T3 Microsoft senior engineer 18 months, Al Ghozlan apartment
T5 Emirates cabin crew, Town Square Hayat townhouse
T5 Better Homes broker, JLT Lake Point apartment
T1 SEHA all good, JVC District 5 apartment
T1 ADNOC all good, Sobha The Crest new handover
T1 Mubadala investment director, Wilton Park Terraces
Edge F2 recent promotion from T3 to T2, Springs townhouse
Edge F3 UAE-resident FAANG remote worker, Mirdif Hills apartment
Edge F5 son of Al Habtoor corporate payroll, Town Square townhouse
Edge F1 lawyer with 60 percent consulting income, Mira townhouse
T1 employer with no UAE credit history, Al Furjan ready apartment
T1 DIB Islamic banking analyst, Mira ready townhouse
T2 Etihad senior captain, Dubai Marina mature apartment
T3 flydubai cabin services coordinator, Town Square apartment
T3 hospitality F&B manager, The Greens ready apartment
T3 Aramex logistics ops manager, Al Furjan ready apartment
T4 private media producer, Marina mature apartment
T1 EDGE defence engineer, Springs townhouse
T5 Talabat rider gig worker, Discovery Gardens apartment
T5 domestic worker housemaid, Al Furjan ready apartment
T4 blue-collar electrician with stable UAE employer, The Greens apartment
Macro environment peace, decision Auto decline, SCS 75.4, tier T3 / B
Auto decline
SCS
75.4
Tier
T3 / B
Pinning gates
1
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Macro
Peace
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Score
10
Gates
1
Borrower Profile
3
Concentration
7
Expected loss
4
Employer stress
0
Audit
15
A. Payment Load
18% weight
82
· Payment Load
· 82
B. Savings Buffer
15% weight
68.7
· Savings Buffer
· 68.7
C. Employment Stability
10% weight
72
· Employment Stability
· 72
D. Household Income
8% weight
78
· Household Income
· 78
E. UAE Residency
8% weight
85
· UAE Residency
· 85
F. Credit Relationship
5% weight
72
· Credit Relationship
· 72
G. AECB Score
5% weight
79.7
· AECB Score
· 79.7
H. Re-Leasing Recourse
15% weight
78
· Re-Leasing Recourse
· 78
I. Lifestyle Alignment
5% weight
82
· Lifestyle Alignment
· 82
J. Sector Tier
13% weight
62
· Sector Tier
· 62
Borrower context (advanced inputs)
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UAE legal employer
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First-time buyer