
    Write a function that identifies the loan applicant ID from a list of (ID, credit score) pairs who has the lowest credit score and requires immediate risk assessment. Each pair consists of a unique applicant identifier and their corresponding credit score, where lower scores indicate higher risk. The function should return only the applicant ID of the individual with the lowest credit score.
    

    
from operator import itemgetter

def index_minimum(test_list):
    """
    Write a function that identifies the loan applicant ID from a list of (ID, credit score) pairs who has the lowest credit score and requires immediate risk assessment. Each pair consists of a unique applicant identifier and their corresponding credit score, where lower scores indicate higher risk. The function should return only the applicant ID of the individual with the lowest credit score.
    

    """
from operator import itemgetter

def index_minimum(test_list):
    """
    Write a function that identifies the loan applicant ID from a list of (ID, credit score) pairs who has the lowest credit score and requires immediate risk assessment. Each pair consists of a unique applicant identifier and their corresponding credit score, where lower scores indicate higher risk. The function should return only the applicant ID of the individual with the lowest credit score.
    

    """
    res = min(test_list, key=itemgetter(1))[0]
    return res