---
title: "T202 · Credit Stress Testing Workbench"
method: POST
path: "/v1/tools/credit_stress_testing_workbench"
---

# T202 · Credit Stress Testing Workbench

`POST /v1/tools/credit_stress_testing_workbench`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/credit_stress_testing_workbench`
- Auth: none declared

Apply macro stress scenarios — GDP shock, rate move, sector downturn, FX shock — to counterparty credit metrics. Outputs scenario comparison table, credit metric migration, Markdown stress memo, and Policy Mandate JSON stress scenario record. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/202-credit-stress-testing-workbench.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `base_rating` string, required: Current S&P-equivalent rating e.g. BBB
  - `sector` 'general' | 'tech' | 'healthcare' | 'utilities' | 'realestate' | 'energy' | 'retail' | 'financial', required
  - `base_pd_pct` number, required: Base 1-year PD (%)
  - `base_ead` number, required
  - `base_lgd_pct` number, required
  - `base_rwa` number, required
  - `scenarios` object[], required
    - `scenario_id` 'mild' | 'moderate' | 'severe' | 'custom', required
    - `name` string
    - `gdp_shock_pct` number
    - `rate_move_bps` number
    - `sector_shock_pct` number
    - `fx_shock_pct` number

## Response `200`

Successful tool execution result

- object
  - `base` object
  - `stressed_scenarios` object[]
    - `scenario_id` string
    - `stressed_rating` string
    - `notch_change` integer
    - `stressed_pd_pct` number
    - `stressed_ecl` number
    - `stressed_rwa` number
    - `stressed_capital` number
    - `ig_breach` boolean
  - `ap2_mandate` object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)