---
title: ICE — Intelligent Credit Evaluator
emoji: ❄️
colorFrom: gray
colorTo: blue
sdk: gradio
sdk_version: 5.35.0
app_file: app.py
pinned: false
---

# ❄️ ICE — Intelligent Credit Evaluator

> "In a world full of uncertainty, ICE brings clarity to credit decisions."

ICE is a cutting-edge AI model that helps users predict whether their loan will be approved — but it doesn't stop there. With probability scores and risk analysis, ICE acts as a smart lending advisor.

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## 🚀 Features

- ✅ Predict Loan Approval (`Loan_Status`)
- 📊 Confidence Score (Approval Probability)
- ⚠️ Risk Category: Low / Medium / High
- 💡 Minimal input, maximum insight

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## 🛠 Pipeline

User Input ➡ Preprocessing ➡ Model Prediction ➡ Risk Scoring ➡ Output


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## 📦 Tech Stack

- Python 3.10+
- XGBoost / Scikit-Learn
- Gradio UI
- Deployed on Hugging Face Spaces

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## 🔒 Privacy

All predictions are processed live in memory — **no data is stored or shared**. Your privacy is respected.

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## ✨ About the Author

**T. Ravi Kumar**  
🧠 AI Enthusiast & Data Scientist  
📧 travikumartravikumar00@gmail.com  
🔗 [GitHub](https://github.com/TRavi8688) | [LinkedIn](https://linkedin.com/in/t-ravi-kumar-038a3b345)

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## ❄️ ICE — Predict Smart. Decide Better.