Decision story
Where Should the Cut-Off Sit?
Where should the PD cut-off sit under a volume / risk budget?
Rates lift payments. Payments eat buffers. Watch where that pressure concentrates.
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The gate is a policy choice
This story ships as a directed film. Open /stories/where-should-the-cutoff-sit/film.
Ranking skill (Gini) is not the same as a cut-off you can ship. The operating point maximises approval subject to a bad-rate appetite among the approved.