{"id":28403753,"url":"https://github.com/aimaster-dev/default_loan_prediction","last_synced_at":"2026-05-01T08:31:59.741Z","repository":{"id":296163516,"uuid":"984226782","full_name":"aimaster-dev/default_loan_prediction","owner":"aimaster-dev","description":"This project automates bank credit risk assessment using AI and machine learning models to predict loan defaults. 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This project automates that process by using classification models to predict default based on applicant data.\n\n---\n\n## 🧠 Key Features\n\n- Predicts loan defaults using historical banking data\n- Compares multiple ML algorithms (Logistic Regression, Random Forest, XGBoost, etc.)\n- Evaluates models via ROC-AUC, F1 score, Precision, and Recall\n- Provides explainability with **SHAP** (SHapley Additive exPlanations)\n- Visualization of feature importance and model decisions\n- End-to-end pipeline from data preprocessing to model interpretation\n\n---\n\n## 🧰 Tech Stack\n\n- **Python**\n- **scikit-learn**\n- **XGBoost**\n- **SHAP**\n- **pandas**, **matplotlib**, **seaborn**\n\n---\n\n## 🛠️ Setup Instructions\n\n1. **Clone the Repository**\n\n```bash\ngit clone https://github.com/aimaster-dev/default_loan_prediction.git\ncd default_loan_prediction\n````\n\n2. **Install Dependencies**\n\n```bash\npip install -r requirements.txt\n```\n\n3. **Run the Notebook**\n\nOpen `loan_default_prediction.ipynb` in Jupyter or run it using:\n\n```bash\njupyter notebook loan_default_prediction.ipynb\n```\n\n---\n\n## 📈 Model Evaluation\n\n* **Best Model:** XGBoost\n* **ROC-AUC:** High discriminative power\n* **SHAP Values:** Used to interpret individual predictions and global feature impact\n\n---\n\n## 📌 Highlights\n\n* Automated model selection and tuning\n* Transparent credit risk scoring using SHAP\n* Business-focused evaluation for banking applications\n\n---\n\n## 📎 Resources\n\n* 📄 [Project Report (PDF)](https://github.com/aimaster-dev/default_loan_prediction/blob/main/Automating_bank_credit_processes_using_AI.pdf)\n\n---\n\n## 📜 License\n\nMIT License. See `LICENSE` for details.\n\n---\n\n## 🙌 Acknowledgments\n\nThanks to aimaster-dev for sharing this impactful project in AI-driven finance.\n","project_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Faimaster-dev%2Fdefault_loan_prediction","html_url":"https://awesome.ecosyste.ms/projects/github.com%2Faimaster-dev%2Fdefault_loan_prediction","lists_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Faimaster-dev%2Fdefault_loan_prediction/lists"}