def udf_predict_risk_score(*args) -> float:
    import os
    import sys
    from joblib import load

    IMPORT_DIRECTORY_NAME = "snowflake_import_directory"
    import_dir = sys._xoptions[IMPORT_DIRECTORY_NAME]
    model_name = 'decisiontree.model'
    model = load(import_dir+model_name)

    #unlike previous JSON object, this will be a array, hence no need to
    # decode the input
    scored_data = model.predict(pd.DataFrame([args]))[0]

    return scored_data