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---
title: ECL Risk Analyzer
emoji: 💹
colorFrom: red
colorTo: red
sdk: docker
app_port: 8501
tags:
- streamlit
- credit-risk
- gemini
- finance
pinned: false
short_description: AI ECL analyzer using Streamlit and Gemini.
---
# 🧮 ECL Risk Analyzer
**ECL Risk Analyzer** is a Streamlit-based web app that automates **Expected Credit Loss (ECL)** analysis and provides **AI-driven recommendations** on credit decisions.
### 🔍 Features
- Upload loan datasets (CSV format).
- Compute key credit metrics:
- **PD** – Probability of Default
- **LGD** – Loss Given Default
- **EAD** – Exposure at Default
- **ECL** – Expected Credit Loss
- Visualize segment-level performance with interactive charts.
- Get AI recommendations (via **Gemini 2.5 Flash Lite**) to:
- Increase interest
- Reduce disbursement
- Maintain current policy
- Role-based access:
- **Analyst:** Run and review segment analyses.
- **CRO:** Audit all analyst reports and view trends.
### 🧠 Tech Stack
- **Frontend:** Streamlit
- **AI Engine:** Gemini API
- **Database:** SQLite (via SQLAlchemy)
- **Hosting:** Hugging Face Spaces (Docker SDK)
### 🚀 Quick Start
1. Upload your loan dataset (CSV).
2. Select a segmentation column (e.g., loan intent, area, or occupation).
3. View computed ECL metrics and charts.
4. Choose a segment to get AI-based recommendations.
### 📊 Example Output
| Segment | PD | LGD | EAD | ECL | Action |
|----------|----|-----|-----|-----|--------|
| Medical | 0.278 | 0.255 | 78M | 5.5M | Increase Interest |
### 🛠️ Customization
Modify `/src/streamlit_app.py` to:
- Adjust prompts or logic.
- Change chart styles.
- Extend user roles or security.
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