credit-risk-analysis

Credit risk analysis for credit card applicants

Application to finance

The aim is to understand which are the key factors for a certain level of credit risk to occur. In addition, some ML models capable to predict the credit risk level for a company in an year - given past years data - have been built and compared.

Predicting how much loan will be approved

Reverse engineering of the FICO algorithm

The project involved developing a credit risk default model on Indian companies using the performance data of several companies to predict whether a company is going to default on upcoming loan payments.

Unified ML platform serving two production risk models behind one API, fraud detection using a Logistic Regression pipeline at 92.4 percent accuracy and 0.90 F1, and churn prediction using a five-estimator hard-voting ensemble at 85.6 percent accuracy, with SMOTE balancing, sub-0.5 second inference, and CI-enforced 90 percent test coverage.

Predicting the ability of a borrower to pay back the loan through Traditional Machine Learning Models and comparing to Ensembling Methods

This project focuses on credit risk analysis using SQL, Python, and Power BI. We built an end-to-end pipeline that starts with raw loan applicant data and ends with an interactive dashboard for stakeholders to monitor loan defaults.

In 2019, more than 19 million Americans had at least one unsecured personal loan. Personal lending is growing at an extremely fast rate, and FinTech firms need to go through an organize large amounts of data in order to optimize lending. Python will be used to evaluate several machine learning models to predict credit risk. Algorithms such as Ra…

Credit Risk Analysis - PD Modelling

Bank-style Credit Risk Scorecard using Logistic Regression, IFRS-9 Expected Credit Loss, and an Interactive Streamlit Risk Dashboard for loan default prediction.

Credit risk poses a classification problem that’s inherently imbalanced. Using a dataset of historical lending activity from a peer-to-peer lending services company, build a model that can identify the creditworthiness of borrowers.

Credit Risk Analysis to predict loan defaults using business metrics like approval rate, default capture rate, precision, and AUC to optimize loan approvals and reduce financial risks.

End-to-End Credit Risk Analytics Dashboard using Power BI and Python (EDA, Correlation, Risk Modeling, Network Analysis)

Machine learning system for credit risk assessment using German Credit and Loan Approval datasets. Implements Logistic Regression, Random Forest, and Gradient Boosting classifiers with comprehensive EDA, feature engineering, and model comparison visualizations. Achieves 70%+ accuracy in default prediction.

A data analysis project to classify whether an applicant is capable of paying a home loan by using 4 machine learning models (Logistic Regression, SVM, Random Forest and LGBM) and 1 deep learning model (DeepFM). We also drew some insights from the best model that can be useful for analysts in bank.

This project predicts credit risk based on user inputs and categorize loan applications into Poor, Average, Good, and Excellent categories. The project mirrors the CIBIL scoring system.

ML course project