📊 Credit Risk Prediction

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This project focuses on building a machine learning model to predict credit risk, specifically identifying whether a borrower is likely to default on a loan. By analyzing applicant characteristics and loan details, we aim to assist financial institutions in making data-driven lending decisions and managing credit risk effectively.

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🧠 Objective

The goal is to classify loan applications into default and non-default categories using structured borrower and loan data. This helps financial providers reduce financial losses, automate loan approvals, and ensure responsible lending.

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Predicting credit risk allows lenders to:

• Minimize bad debt
• Adjust interest rates based on risk
• Increase financial inclusion through smarter automation

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🚀 Getting Started

NOTE : Unzip models/production_model.zip first

1. Clone the repository

# Clone Repository
git clone https://github.com/rochiekop/credit_risk_simulation

2. Set up virtual environment

# Install
python -m venv .venv
# Activate
source .venv/Scripts/activate

3. Run FastAPI

# Run
fastapi run ./src/api.py

4. Run Stremlit

# Run
streamlit run ./src/streamlit.py

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Last Update: 04-07-2025 Created By: rochiekop