AI-Powered Credit Scoring & Risk Analysis

Applicant Information

Applicant's age (18-100)
Total monthly income before tax
Length of active credit history
Valid credit lines (cards, loans)
Decimal format (e.g., 0.3 for 30%)
Count of past due incidents
0
Credit Score
---
300 (High Risk) 550 (Review) 600 (Safe) 850 (Excellent)
0%
Approval Probability
Unknown
Risk Category
AI Credit Explanation
AI Improvement Tips

AI Agent Analysis Pipeline

Real-time execution logs of the Multi-Agent System

Run the Credit Scoring analysis to see the pipeline execution.

7,000
Total Applicants
5,000
Approved
2,000
Rejected
37.9%
Good Rate (Target)

Application Status

Credit Worthiness (Approved)

Income Distribution Analysis

Credit History Impact

Debt Ratio vs. Approval

Late Payments vs. Approval

About CreditAI

CreditAI demonstrates an End-to-End Credit Scoring Pipeline typically used in the telecommunications and banking sectors. It relies on a Logistic Regression model trained on synthetic data to predict the likelihood of a customer paying their bills.

Methodology

  • Data Generation: Created 7,000 synthetic applicant records including demographic and financial history.
  • Training: Tuned a Logistic Regression model with class balancing and standard scaling.
  • Scoring Logic: Converted probability outcomes into a standard 300-850 credit score range using Points-to-Double-Odds (PDO) logic.
  • Client-Side Inference: This demo runs entirely in your browser using the pre-calculated model coefficients, requiring no backend server.

AI-Powered Features

  • AI Credit Explanation: GPT-4o-mini analyzes which factors contributed to the score.
  • AI Improvement Tips: Personalized, actionable advice to improve creditworthiness.
  • Pipeline AI Commentary: Each agent step receives an AI-generated analysis in real time.

To enable AI features, click the OpenAI button in the header and enter your API key. The key is stored in browser memory only and never persisted.