Applicant Risk Scoring

AI-powered default probability with full explainability

Personal

Financial

Credit

Age

35

Gender

Children

Family Members

Owns Car

Owns Realty

Annual Income

₹

Loan Amount

₹

Monthly Annuity

₹

Goods Price

₹

Currently Unemployed

Years Employed

5

External Score 1

0.50

External Score 2

0.50

External Score 3

0.50

Late Installments Fraction

0.05

Max Days Late

5

Prev Approval Rate

0.70

Prev Refusals

🏦

Ready to Score

Complete the form and click Run Risk Assessment

--%

Default Probability

Threshold

39.0%

Credit Equiv

--

Margin

--

ℹ️ Why this prediction?

Feature	Value	Impact	Effect

Portfolio Batch Scoring

Score your entire loan portfolio and get instant risk tiers

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Applications

--

Approved

--

Declined

--

Mean Prob

--%

High Risk

--

Scored Applicants --

ID	Probability	Risk Tier	Decision

AI Engine

Model performance, validation results, and feature intelligence

OOF ROC-AUC

--

CV Mean AUC

--

CV Std

--

Avg Precision

--

Threshold

--

Cross-Validation Folds

Confusion Matrix

Pred 0

Pred 1

Act 0

252,083

30,603

Act 1

13,726

11,099

Top SHAP Features

Impact Guide

Feature	Direction