CredVibe is an ML credit scorecard system achieving 95%+ default recall with explainable predictions for loan risk assessment. Features KS/Gini validation, Optuna tuning, FastAPI + Streamlit deployment. Generates CIBIL-like scores, and converts to business rules for BRE integration.

machine-learning fintech logistic-regression credit-scoring nbfc loan-default-prediction credit-score credit-risk explainable-ai credit-risk-assessment vif mlflow woe-and-iv fastapi optuna gini-coefficient streamlit smote-tomek ks-statistic

• Updated Feb 19, 2026
• Python

💰 Credit Risk Scorecard — Gradient Boosting + Logistic Regression + Decision Tree on 5,000 loans. Industry-standard metrics: Gini 0.521 · KS 0.395 · AUC 0.761 · IV/WoE table · Credit grades A-E. Basel III aligned. Production-realistic metrics. Python · scikit-learn

python machine-learning information-value nbfc woe credit-risk gini-coefficient probability-of-default credit-scorecard bfsi ks-statistic base-iii

• Updated May 16, 2026
• Python