Credit-Risk Modeling Pipeline

Interactive End-to-End Decision Flow

01 // INGESTION 02 // PIPELINE 03 // BALANCING 04 // TOURNAMENT 05 // METRICS 06 // EXPLAINER 07 // DECISION RAW APPS IMBALANCE 15:2 PREPROCESSING [FILT] OUTLIERS [IMPU] MEDIAN VALS [ENCO] CATEGORICAL SMOTE RESAMPLE BEFORE AFTER SYNTHETIC MINORITY BALANCED 1:1 RATIO LR MODEL RF MODEL XGB MODEL NN MODEL EVALUATION ROC-AUC: 0.94 RECALL (DEFAULT RISK) 89% RECALL SHAP EXPLAINER RISK CONTRIBUTION BASE +0.38 DEBT-TO-INC -0.24 CREDIT SCORE NET: HIGH RISK (+0.14) FINAL DECISION ✓ AUTO-APPROVE ✗ DECLINE APP DECISION REASON: DTI EXCEEDS 45%