This is a machine learning project for credit decisioning for banks or other financial institutions and in this project, we will use machine learning models for classification.

Mpesa data useful for credit risk modelling

Governed PostgreSQL credit decisioning simulator for synthetic applications, pre-production strategy testing, matched comparison, counteroffer governance, and Expected Loss tradeoffs—without PII.

Fair Credit Intelligence Agent using IBM watsonx.ai and Granite 4.0 for responsible credit decisioning.

Explainable, validated MSME Financial Health Card for credit-invisible businesses — alternate-data credit scoring a bank can govern. IDBI Innovate 2026 · Track 03.

AGPL-3.0 reference impl of FinTech audit-stream. 2 orthogonal invariants: FCRA §604 permissible-purpose on every credit-bureau pull + human-credit-officer on adverse recommendations (Reg B + FCRA §615 + CFPB Circular 2023-03). Runs Meridian × CreditMind v4.x trajectory end-to-end.

AI/ML credit underwriting engine for credit-invisible MSMEs using alternate data (GST, Account Aggregator, UPI, EPFO). Built with XGBoost and SHAP for explainable, real-time risk assessment. Seamlessly integrates with India's public digital lending rails (ULI & OCEN frameworks).

Turns public ABS / RBA / PTRS data into industry risk scores, downturn / stress overlays, and macro-regime flags for commercial credit — sector-risk and concentration support tables for portfolio review. Real public data only.

Commercial borrower financial statement analysis repo for standardised financials, ratio diagnostics, and working-capital metrics used in both structured credit assessment and practical lending decisioning.