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| title: Credit Risk Predictor | |
| emoji: 🏦 | |
| colorFrom: blue | |
| colorTo: green | |
| sdk: gradio | |
| sdk_version: 3.50.0 | |
| app_file: app.py | |
| pinned: false | |
| license: mit | |
| # 🏦 Credit Risk Prediction System | |
| Predict loan defaults with 92.3% accuracy using machine learning. | |
| ## Features | |
| - 92.3% AUC-ROC accuracy (beats academic paper) | |
| - Business-optimized for maximum profit | |
| - Real-time predictions with visualizations | |
| - Based on 358,244 real loans | |
| ## How to Use | |
| 1. Fill in the loan application details | |
| 2. Click "Assess Credit Risk" | |
| 3. Get instant approval/rejection with risk analysis | |
| ## Model Details | |
| - **Algorithm**: XGBoost with enhanced features | |
| - **Training Data**: Lending Club (2013-2014) | |
| - **Key Improvement**: +0.010 AUC over baseline | |
| - **Business Impact**: Optimized threshold at 28% | |
| *For research purposes only. Not financial advice.* | |