Regulatory Qualification & Expansion Calculator
Role: Product Manager & Lead Developer
The regulatory threshold rises over time, and expansion decisions get made on an estimate because their effect on the score is not known in advance. This system turns a published assessment methodology into a decision tool: it computes the score, rules on the state, and plans the cheapest route to the next threshold.
The establishment's actual figures go in, an official score is computed from seven weighted criteria through tiered tables (nearest threshold downward, not linear interpolation), and a ruling is issued as one of four qualification states under independent promotion conditions. With it comes an improvement plan showing what is missing for the next level, and a three-stage procedural track.
What sets it apart is that it does not stop at measuring: scenario comparison for trying “what if” before committing · geographic analysis of coverage across thirteen regions on a 2% rule for counting a region as covered · and a financial optimiser that computes, for every future threshold, the cheapest plan to reach it: branches added, investment, annual revenue, payback period, and the resulting score.
Key Features
Seven-Criterion Weighted Scoring
Each criterion maps to a partial score through a step table; the total is a weighted sum with weights adding to 100%.
Four-State Qualification Ruling
Four states, from not qualified to renewable — and one failed technical criterion blocks the upgrade.
The Cheapest Plan to Reach the Next Threshold
For every future threshold, the cheapest plan to reach it: branches, capital, net and payback period.
Scenario Comparison
Saved scenarios compared side by side to test what any expansion decision does to the score before committing to it.
Geographic Coverage Analysis
A map and table across thirteen regions — a region counts as covered at 2% of all branches.
Procedural & Document Track
Five stages from registration to issuance, across three tracks — provisional, final, and renewal — with per-action completion tracking.
It Warns Before Coverage Slips
A region covered by a single station is flagged "near the threshold" — losing one station uncovers it, and you know before it happens.
The Business Problem
The regulatory threshold climbs over time — 40% to 50% to 60% and then 85% — and tracking it by hand across seven criteria and tiered tables is laborious and error-prone. Harder still, nobody knows in advance what a particular expansion decision does to the score, so decisions worth millions get made on an estimate rather than a calculation.
Why We Built It
Encode the regulatory methodology once as the source of truth, then build everything on top of it: the instant ruling, the improvement plan, scenario comparison, and the financial optimiser. The question shifts from "are we compliant?" to "what is the cheapest path to the next threshold?".
How We Built It
A scoring engine applying the weights, step tables, and time-based thresholds exactly as the published methodology defines them, with promotion conditions implemented as independent checks rather than one blended score. The financial optimiser searches for the minimum investment that reaches each threshold against editable cost assumptions, so every output can be recomputed when an assumption changes.