English to French Bus/Financial Finance (general)

A scorecard cut-off is the minimum score threshold used in credit or risk models to make a decision—typically to accept or reject an application, like for a loan or a credit card.

In simple terms:
A scorecard assigns a numeric score to each applicant based on risk factors (e.g., income, credit history).

The cut-off is the score boundary.

If your score is above the cut-off → you're accepted.

If your score is below the cut-off → you're rejected or flagged for further review.

Why it's important:
It helps lenders control risk exposure.

Cut-offs can be adjusted based on business strategy, market conditions, or regulatory requirements.