CrediMax- Credit Lending Risk Analysis

In this work we present a full-lifecycle machine learning pipeline designed to forecast credit default risk, using real-world lending datasets. The system automates data ingestion, cleaning, feature engineering, model training (using CatBoost), evaluation and deployment via a web interface. We achieve accuracy of ~92.4%, AUC-ROC ~0.97 on held out data. The goal is to give lenders a reliable system to categorize borrower risk (“Low”, “Moderate”, “High”, “Critical”) and thus support more informed credit decisioning. We describe the architecture, methods, key results, practical deployment and implications for financial institutions.

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Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2026-01-21
DOI
https://doi.org/10.5281/zenodo.18329509
Primary Topic
Financial Distress and Bankruptcy Prediction
Type
article
Field-Weighted Citation Impact
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article

CrediMax- Credit Lending Risk Analysis

Nishant Sharma, Utkarsh Gupta
Zenodo (CERN European Organization for Nuclear Research)
Financial Distress and Bankruptcy Prediction
article

CrediMax- Credit Lending Risk Analysis

Nishant Sharma, Utkarsh Gupta
article en

Abstract

In this work we present a full-lifecycle machine learning pipeline designed to forecast credit default risk, using real-world lending datasets. The system automates data ingestion, cleaning, feature engineering, model training (using CatBoost), evaluation and deployment via a web interface. We achieve accuracy of ~92.4%, AUC-ROC ~0.97 on held out data. The goal is to give lenders a reliable system to categorize borrower risk (“Low”, “Moderate”, “High”, “Critical”) and thus support more informed credit decisioning. We describe the architecture, methods, key results, practical deployment and implications for financial institutions.

Zenodo (CERN European Organization for Nuclear Research)
JECRC University (IN)
Openalex Percentile: Top 84%
Financial Distress and Bankruptcy Prediction
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