The loan servicing team can only take part of the backlog next sprint. Using WSJF: updating delinquency notices for a new regulatory requirement has a cost of delay of 21 and job size 2; failed autopay SMS alerts, 16 and 3; customer self-service due-date change, 13 and 5; a new loan product application flow, 16 and 13. The business MD wants the new product first. How do you prioritize?

贷款服务团队下个 sprint 只能做一部分需求。按 WSJF 打分：逾期通知按新监管要求改文案，延迟成本 21、规模 2；扣款失败短信提醒，16、3；客户自助改还款日，13、5；新贷款产品申请流程，16、13。业务 MD 想先做新产品，你怎么排？