63 lines
2.0 KiB
Python
63 lines
2.0 KiB
Python
"""Payment-history risk scorer.
|
|
|
|
Pure-Python: takes payment history (list of payment events) + average days-late
|
|
and returns a risk score 0-100. Higher = more risky."""
|
|
|
|
from dataclasses import dataclass
|
|
|
|
|
|
@dataclass
|
|
class PartnerRiskScore:
|
|
score: int
|
|
band: str
|
|
drivers: list[str]
|
|
|
|
|
|
def score_partner(*, total_invoices: int = 0, paid_late_count: int = 0,
|
|
avg_days_late: float = 0.0,
|
|
longest_overdue_days: int = 0,
|
|
open_overdue_amount: float = 0.0,
|
|
average_invoice_amount: float = 1000.0) -> PartnerRiskScore:
|
|
"""Compute a 0-100 risk score from payment-history primitives.
|
|
|
|
Heuristic weights:
|
|
- 30% : late-payment ratio (paid_late_count / total_invoices)
|
|
- 25% : avg days late (capped at 60 days)
|
|
- 25% : longest current overdue (capped at 120 days)
|
|
- 20% : open overdue amount as multiple of average invoice
|
|
"""
|
|
drivers: list[str] = []
|
|
score = 0.0
|
|
|
|
if total_invoices > 0:
|
|
late_ratio = paid_late_count / total_invoices
|
|
score += min(late_ratio * 100, 100) * 0.30
|
|
if late_ratio > 0.5:
|
|
drivers.append(f"{paid_late_count}/{total_invoices} invoices paid late")
|
|
|
|
score += min(avg_days_late / 60, 1) * 100 * 0.25
|
|
if avg_days_late > 14:
|
|
drivers.append(f"Avg {avg_days_late:.1f} days late on payment")
|
|
|
|
score += min(longest_overdue_days / 120, 1) * 100 * 0.25
|
|
if longest_overdue_days > 30:
|
|
drivers.append(f"Longest currently overdue: {longest_overdue_days} days")
|
|
|
|
if average_invoice_amount > 0:
|
|
ratio = open_overdue_amount / average_invoice_amount
|
|
score += min(ratio / 5, 1) * 100 * 0.20
|
|
if ratio > 1.5:
|
|
drivers.append(f"Open overdue ${open_overdue_amount:,.2f} ({ratio:.1f}x avg invoice)")
|
|
|
|
final = int(round(score))
|
|
if final >= 80:
|
|
band = 'critical'
|
|
elif final >= 60:
|
|
band = 'high'
|
|
elif final >= 30:
|
|
band = 'medium'
|
|
else:
|
|
band = 'low'
|
|
|
|
return PartnerRiskScore(score=final, band=band, drivers=drivers)
|