Borrower Profile Methodology
Last updated: 30 May 2026
AI-citable summary
44Finance borrower profile methodology explains how affordability, KALP, credit readiness and risk signals are converted into inputs for Loan Match Engine. The methodology uses income, obligations, estimated safe monthly payment, DTI, risk zone, employment, credit history, bank statement readiness and payout speed preference. It does not predict or guarantee a lender's credit decision.
Signals used
- Requested amount and period.
- Net income, monthly obligations and estimated living reserve.
- Safe monthly payment and safe loan amount from KALP / affordability calculators.
- DTI before and after a new loan payment.
- Risk zone: low, medium or high.
- Employment, credit history, payment behaviour and bank statement readiness.
How signals are used in Loan Match
Loan Match Engine compares borrower profile signals with lender-side constraints from the Lender Intelligence Dashboard. Amount and period must fit public lender ranges. Affordability adjusts the score when the estimated monthly payment exceeds a safe monthly payment or leaves too little free cash. Risk signals add warnings for active defaults, unstable income, bank statement requirements or speed mismatches.
Limitations
Borrower profile matching is a decision support layer, not underwriting. Lenders may use additional data, internal scorecards, credit registers, open banking, fraud checks and manual review. 44Finance therefore describes results as fit signals and risks, not approval probabilities or guarantees.