{ "name": "Workflow B: Optimized User-Loan Matching", "nodes": [ { "parameters": { "path": "user-loan-match", "options": { "responseData": true } }, "name": "Trigger: New CSV Upload", "type": "n8n-nodes-base.webhook", "typeVersion": 1, "position": [ -96, -16 ], "id": "9207b73e-1a5f-4040-a164-644c7eb6ef5c" }, { "parameters": { "operation": "executeQuery", "query": "SELECT\n user_id,\n monthly_income,\n credit_score,\n employment_status,\n age\nFROM\n users\nWHERE\n users.created_at >= NOW() - INTERVAL '1 day';", "options": {} }, "type": "n8n-nodes-base.postgres", "typeVersion": 2.6, "position": [ 304, -144 ], "id": "bf7e13f7-ad2c-4bd8-bd32-d76b46cd28d0", "name": "Execute a SQL query", "alwaysOutputData": true, "credentials": { "postgres": { "name": "" } } }, { "parameters": { "operation": "executeQuery", "query": "SELECT\n id AS product_id,\n product_name,\n min_income,\n min_credit_score,\n max_amount\nFROM\n loan_products;", "options": {} }, "type": "n8n-nodes-base.postgres", "typeVersion": 2.6, "position": [ 304, 112 ], "id": "ae8139e2-9469-4825-9df3-510d0347856a", "name": "Execute a SQL query1", "credentials": { "postgres": { "name": "" } } }, { "parameters": { "mode": "combine", "combineBy": "combineAll", "options": {} }, "type": "n8n-nodes-base.merge", "typeVersion": 3.2, "position": [ 592, -16 ], "id": "c34eb3cf-98e8-42da-a0ce-0c3021da3035", "name": "Merge", "alwaysOutputData": true }, { "parameters": { "jsCode": "const matches = [];\n\n// The 'items' variable holds the array of data from the previous node (the Merge node)\nfor (const item of items) {\n // Access data directly from the flat merged item structure\n const user = {\n user_id: item.json.user_id,\n monthly_income: parseFloat(item.json.monthly_income),\n credit_score: parseInt(item.json.credit_score)\n };\n\n const product = {\n product_id: item.json.product_id,\n // Use product-specific min_credit_score if available, otherwise default to a high standard (e.g., 700)\n // If min_credit_score is null in the merged data, we'll use a hardcoded 700\n product_min_credit_score: parseInt(item.json.min_credit_score) || 700, \n max_amount: parseFloat(item.json.max_amount)\n };\n\n // --- Filtering Logic ---\n\n // 1. Hardcoded Credit Score Filter: MUST be >= 700\n if (user.credit_score < 700) {\n continue; // User does not meet the minimum general credit score\n }\n\n // 2. Product-Specific Credit Score Filter (if min_credit_score was available)\n if (user.credit_score < product.product_min_credit_score) {\n continue; // User does not meet the product-specific credit score\n }\n\n\n // 3. Repayment Capacity Calculation (The 5-Year Rule)\n const fixedExpense = 30000;\n const repaymentMonths = 60; // 5 years\n\n // Calculate Disposable Income after the fixed expense\n const disposableIncome = user.monthly_income - fixedExpense;\n\n // Calculate the required monthly payment if the user takes the MAX loan amount over 60 months\n const maxMonthlyRepayment = product.max_amount / repaymentMonths;\n \n // Eligibility Condition: Disposable income must be able to cover the required monthly payment\n const isEligibleForRepayment = disposableIncome >= maxMonthlyRepayment;\n\n // --- Match Creation ---\n\n if (isEligibleForRepayment) {\n // Calculate Match Score based on the repayment surplus (buffer)\n const bufferIncome = disposableIncome - maxMonthlyRepayment;\n \n // Base score (300 for meeting all criteria) + bonus points\n const matchScore = 300 + Math.floor(bufferIncome / 500); \n\n // Add the successful match to the output array\n matches.push({\n json: {\n user_id: user.user_id,\n product_id: product.product_id,\n match_score: matchScore,\n recommendation_strength: '5YR_REPAYMENT_CAPACITY_CHECK' \n }\n });\n }\n}\n\nreturn matches;" }, "type": "n8n-nodes-base.code", "typeVersion": 2, "position": [ 800, -16 ], "id": "ba42be2c-9461-42e0-bca0-e97fe20c3e7d", "name": "Code in JavaScript" }, { "parameters": { "schema": { "__rl": true, "value": "public", "mode": "list", "cachedResultName": "public" }, "table": { "__rl": true, "value": "user_loan_matches", "mode": "list", "cachedResultName": "user_loan_matches" }, "columns": { "mappingMode": "defineBelow", "value": { "is_notified": false, "match_score": "={{ $json.match_score }}", "user_id": "={{ $json.user_id }}", "product_id": "={{ $json.product_id }}", "recommendation_strength": "={{ $json.recommendation_strength }}" }, "matchingColumns": [ "id" ], "schema": [ { "id": "id", "displayName": "id", "required": false, "defaultMatch": true, "display": true, "type": "string", "canBeUsedToMatch": true, "removed": false }, { "id": "user_id", "displayName": "user_id", "required": true, "defaultMatch": false, "display": true, "type": "string", "canBeUsedToMatch": true }, { "id": "product_id", "displayName": "product_id", "required": true, "defaultMatch": false, "display": true, "type": "string", "canBeUsedToMatch": true }, { "id": "match_score", "displayName": "match_score", "required": true, "defaultMatch": false, "display": true, "type": "number", "canBeUsedToMatch": true }, { "id": "is_notified", "displayName": "is_notified", "required": false, "defaultMatch": false, "display": true, "type": "boolean", "canBeUsedToMatch": true }, { "id": "recommendation_strength", "displayName": "recommendation_strength", "required": false, "defaultMatch": false, "display": true, "type": "string", "canBeUsedToMatch": true }, { "id": "notified_at", "displayName": "notified_at", "required": false, "defaultMatch": false, "display": true, "type": "dateTime", "canBeUsedToMatch": true }, { "id": "created_at", "displayName": "created_at", "required": false, "defaultMatch": false, "display": true, "type": "dateTime", "canBeUsedToMatch": true }, { "id": "updated_at", "displayName": "updated_at", "required": false, "defaultMatch": false, "display": true, "type": "dateTime", "canBeUsedToMatch": true } ], "attemptToConvertTypes": false, "convertFieldsToString": false }, "options": {} }, "type": "n8n-nodes-base.postgres", "typeVersion": 2.6, "position": [ 1008, -16 ], "id": "b4da7219-707d-4328-bfbf-229b0cb7e1f8", "name": "Insert rows in a table", "credentials": { "postgres": { "name": "" } } }, { "parameters": { "url": "http://localhost:5678/webhook-test/970dbc79-d5ad-4a1e-b40c-ff1db74bd830", "options": { "allowUnauthorizedCerts": true } }, "type": "n8n-nodes-base.httpRequest", "typeVersion": 4.3, "position": [ 1232, -16 ], "id": "1ec8e6c0-0de8-466d-b07c-84b75c4c063d", "name": "HTTP Request", "executeOnce": true }, { "parameters": { "workflowId": { "__rl": true, "value": "Z49V1WgZwnbNUmqK", "mode": "list", "cachedResultUrl": "/workflow/Z49V1WgZwnbNUmqK", "cachedResultName": "notification alert" }, "workflowInputs": { "mappingMode": "defineBelow", "value": {}, "matchingColumns": [], "schema": [], "attemptToConvertTypes": false, "convertFieldsToString": true }, "options": {} }, "type": "n8n-nodes-base.executeWorkflow", "typeVersion": 1.3, "position": [ 1088, 160 ], "id": "0decb02c-01c9-4241-9589-200a3b28ff24", "name": "Call 'notification alert'" } ], "connections": { "Trigger: New CSV Upload": { "main": [ [ { "node": "Execute a SQL query1", "type": "main", "index": 0 }, { "node": "Execute a SQL query", "type": "main", "index": 0 } ] ] }, "Execute a SQL query": { "main": [ [ { "node": "Merge", "type": "main", "index": 0 } ] ] }, "Execute a SQL query1": { "main": [ [ { "node": "Merge", "type": "main", "index": 1 } ] ] }, "Merge": { "main": [ [ { "node": "Code in JavaScript", "type": "main", "index": 0 } ] ] }, "Code in JavaScript": { "main": [ [ { "node": "Insert rows in a table", "type": "main", "index": 0 } ] ] }, "Insert rows in a table": { "main": [ [ { "node": "HTTP Request", "type": "main", "index": 0 } ] ] } }, "active": true, "settings": { "executionOrder": "v1" }, "versionId": "207d91e7-04e7-41d6-a07b-6cfe3346e0f7", "meta": { "templateCredsSetupCompleted": true }, "id": "MAO5dMccw8sbyww3", "tags": [] }