README.md

metadata

title: Credit Risk Predictor
emoji: 📊
colorFrom: blue
colorTo: green
sdk: docker
sdk_version: 6.1.0
python_version: '3.11'
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.