GetCreditProfileReportPDF

Returns the assessment as a ready-made eight-page PDF report, for attaching to a file or handing to a credit officer:

1. Executive Summary
2. Credit Score Component Breakdown
3. Financial Health Indicators
4. Transaction Analysis
5. Loan Exposure & Debt Profile
6. Behavior Analysis
7. Monthly Breakdown
8. Final Recommendation, with purpose assessment

Body:

• psuId (required) — the Payment Service User id: the identifier you assign to the customer in your own system. Use the same id you sent when creating the accounts link, since that is how Neotek resolves which consented accounts to return
• accountLinkId (required) – the consent id returned when creating the accounts link
• accountId (required) – the account to assess, an AccountId from ListProfileAccounts
• customerType (optional) – RETAIL or CORPORATE. Defaults to RETAIL
• purpose (optional) – PERSONAL_FINANCE, CAR_LOAN, HOME_MORTGAGE, EDUCATION, MEDICAL, BUSINESS, DEBT_CONSOLIDATION, TRAVEL, WEDDING, HOME_IMPROVEMENT or OTHER
• requestedAmount (optional) – the loan amount, in SAR
• loanTermMonths (optional) – the term in months. Defaults to 60, or 240 when purpose is HOME_MORTGAGE
• annualInterestRate (optional) – a percentage. Defaults to 3.0
• age (optional) – 18 to 100. Sending it enables the AGE scoring factor
• riskFactors (optional) – override the default scoring model, as an array. Every field within an entry is optional:
  • factorType – the factor to override; the valid values depend on customerType
  • weight – 0 to 200
  • enabled – defaults to true
  • ranges – the score bands, as an array of minValue, maxValue (exclusive), points (0 to 100) and label

Factor types — which values factorType accepts depends on customerType:

• RETAIL – AGE, INCOME, LOAN_PAYMENT, SURPLUS_RATIO, SALARY_CATEGORY, CASH_FLOW, DEBT_BURDEN_RATIO
• CORPORATE – BUSINESS_AGE, REVENUE_STABILITY, REVENUE_TREND, OPERATING_EXPENSE_RATIO, SUPPLIER_PAYMENT_CONSISTENCY, CASH_BUFFER, CORPORATE_CASH_FLOW, PAYMENT_BEHAVIOR

Headers:

curl -X POST 'https://test.api.neotek.sa/credit-profile-assessment/v1/credit-profile/getCreditProfileReport/v2/pdf' \  -H 'Authorization: Bearer <ACCESS_TOKEN>' \  -H 'Content-Type: application/json' \  -d '{  "psuId": "PTP100",  "accountLinkId": "2631",  "accountId": "ACC-999",  "customerType": "RETAIL",  "purpose": "PERSONAL_FINANCE",  "requestedAmount": 50000,  "loanTermMonths": 36,  "annualInterestRate": 3,  "age": 35,  "riskFactors": [    {      "factorType": "AGE",      "weight": 150,      "ranges": [        {          "minValue": 0,          "maxValue": 0.2,          "points": 90,          "label": "Excellent"        }      ],      "enabled": true    }  ]}'

Errors