A movement in the right direction, as there needs to be some kind of decentralized credit risk assessment function. That being said, with a view of more distant future, you will need to:
a. Devise a system whereby responsible credit analyst is selected for a given pool
b. The compensation of that credit analyst is staggered in line with performance of the pool over time. Given that credit analyst comp is delayed in time you will need to consider increasing such compensation to make that reward meaningful to contributors.