to fund and which merchant is not risky to fund Predict the amount that a merchant will reasonably be able to pay back Confidently automate underwriting
Performance issues in the app as it performs complex calculations leading to CPU resources getting tied up and there will be that one moment when you start dropping traffic because of DB locks
modelled (JSON blobs, some fields) JOIN tables in normal flow of application logic Native Rails validations (data integrity) when inputted back into Rails