---
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.*