Credit Risk Scoring API

Production-ready REST API for ML-powered loan default prediction.

Model Performance

• AUC-ROC: 0.897
• Algorithm: Gradient Boosting Classifier
• Training data: 32,574 loan records

API Endpoints

• GET / — API info
• GET /health — health check
• POST /predict — predict default probability
• GET /sample — sample loan applications
• GET /docs — interactive Swagger UI

Quick Start

pip install -r requirements.txt python train_model.py uvicorn main:app --reload

Response Example

{ "default_probability": 0.0823, "risk_tier": "LOW", "risk_score": 812, "recommendation": "Approve", "feature_importance": {"int_rate": 0.31, "dti": 0.22, "revol_util": 0.18} }

Tech Stack

Python · FastAPI · scikit-learn · Gradient Boosting · Pydantic · uvicorn