Pegasystems PEGACPLSA88V1 Exam - Topic 3 Question 31 Discussion

Actual exam question for Pegasystems's PEGACPLSA88V1 exam

Question #: 31
Topic #: 3

U+ Bank wants to offer credit cards only to low-risk customers. The customers are divided into various risk segments from Good to Very Poor. The risk segmentation rules that the business provides use the Average Balance and the customer Credit Score.

As a decisioning architect, you decide to use a decision table and a decision strategy to accomplish this requirement in Pega Customer Decision HubTM.

Using the decision table, which label is returned for a customer with a credit score of 240 and an average balance 35000?

AVery Poor

BFair

CGood

DPoor

Show Suggested Answer

Suggested Answer: C

Separate Application for Reusable Component:

Placing the component in a separate application ensures modularity and reusability.

Departments can integrate with this application as needed, ensuring consistency and reducing redundancy.

Benefits:

Centralized maintenance and updates.

Easier to manage and deploy across various departments.

Avoids embedding the component directly in multiple applications, which could lead to version control issues.

Pega Best Practices Guide

Pega Academy Course on Reusable Components and Modular Design

These answers and explanations have been verified according to the Pega Lead System Architect guidelines and best practices.

by Linwood at Feb 07, 2025, 10:10 PM

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Janet

4 months ago

I thought a higher balance could help offset a low score?

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Gail

5 months ago

Yup, low credit score trumps the balance here.

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Carlene

5 months ago

Wait, are we sure about that? Seems harsh for a 35k balance.

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Brice

5 months ago

Agreed, that score is a red flag!

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Ty

5 months ago

Credit score of 240 is definitely Very Poor.

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Mozell

5 months ago

I thought we discussed that a score below 300 is typically categorized as Very Poor, so I would go with option A.

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Chantay

6 months ago

This question reminds me of a practice scenario where we had to analyze similar credit scores and balances. I think the answer is Poor.

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Nichelle

6 months ago

I'm not entirely sure, but I feel like the average balance might help, though a score that low usually means high risk.

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Georgene

6 months ago

I remember that a credit score of 240 is really low, so I think the label would likely be Very Poor.

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Tyra

6 months ago

Okay, let me walk through this step-by-step. The question states the customer has a credit score of 240 and an average balance of 35,000. Looking at the decision table, I can see that the corresponding cell for those input values is labeled "Very Poor". So the answer is A. Very Poor.

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Hui

6 months ago

This seems pretty straightforward to me. Based on the information provided in the decision table, a customer with a credit score of 240 and an average balance of 35,000 would be classified as "Very Poor" risk. I'm confident I can apply this logic to solve the problem.

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Tran

6 months ago

Hmm, I'm a bit confused. The decision table looks straightforward, but I'm not sure how to apply it to this specific scenario. I'll need to carefully review the details and make sure I understand the relationship between the inputs and the output.

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Georgiana

6 months ago

Okay, let's think this through step-by-step. The decision table shows the risk segmentation rules based on Average Balance and Credit Score. For a customer with a credit score of 240 and an average balance of 35,000, the corresponding cell in the table indicates the risk label is "Very Poor".

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Brice

11 months ago

I can almost hear the bank's CEO saying, 'Just give 'em all the good cards, what could go wrong?' But hey, that's why we have these decision tables, right?

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Charlene

11 months ago

Alright, time to put on my decisioning architect hat. With a credit score of 240 and an average balance of 35k, the label returned should be 'Poor'. Easy peasy, lemon squeezy!

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Glory

11 months ago

Ha! This question is a real head-scratcher. I bet the bank wishes they could just label all their customers as 'Very Good' and call it a day. But alas, that's not how it works. I think the correct answer is 'Poor'.

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Barbra

9 months ago

That decision table sure makes it clear who falls into which risk segment.

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Kami

9 months ago

I agree, the customer with a credit score of 240 and an average balance of 35000 would be labeled as 'Poor'.

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Carmen

10 months ago

I think the correct answer is 'Poor'.

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Jose

11 months ago

Okay, let's think this through. A credit score of 240 is definitely on the lower end, and an average balance of 35k is pretty decent. I'd go with 'Fair' as the label here.

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Ciara

11 months ago

Hmm, looks like a tricky one. With a credit score of 240 and an average balance of 35k, I'd say the label returned should be 'Poor'. Let's see if the others agree.

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