Start now. Prove the value of Rules.

This is similar to the minimal Skydiver model but it determines a numeric score (based on the applicant's age and loan amount) rather than "high" or "low" risk used in the earlier examples.
Also take a look at the Singapore Scorecard for a more complex rule model that accumulates the risk scores from various factors. In that example each factor has a separate rulesheet.
A sample rule model and explanatory notes are available as attachments. When you are logged in you will see the link below.