PulseCheck: Instant, Explainable Credit Risk Scoring

A Streamlit application demonstrating instant credit risk scoring with explainable AI using XGBoost and SHAP.

🎯 Project Overview

PulseCheck is a dual-view credit risk scoring system that provides:

• Customer Portal: Simple loan application with instant decisions
• Bank Officer Dashboard: Detailed risk analysis with SHAP explanations

🚀 Quick Start

Prerequisites

pip install streamlit pandas numpy duckdb joblib shap plotly

Running the Application

streamlit run app.py

The app will open at http://localhost:8501

📊 Features

Customer Portal

• Simple loan application form
• Instant eligibility decision
• Clear explanations in plain English
• Professional banking interface

Bank Officer Dashboard

• Login with admin/admin
• View all applications with filters
• SHAP-based explainability for each decision
• Portfolio analytics and model performance metrics
• Manual override capability with audit trail

🤖 Model Performance

• Algorithm: XGBoost (Gradient Boosting)
• ROC-AUC Score: 0.9501
• F1-Score: 0.83
• Training Dataset: 32,581 loan applications

📁 Project Structure

PulseCheck-Credit-Risk-Scoring/
├── app.py                  # Main Streamlit application
├── xgboost_model.pkl       # Trained XGBoost model
├── scaler.pkl              # Feature scaler
├── data/                   # DuckDB database storage
│   └── applications.duckdb # Application database
├── Project_Models.ipynb    # Model training notebook
├── PulseCheck.ipynb        # Data exploration notebook
└── README.md               # This file

🎓 Academic Context

This project was developed for MS DSP 422 at Northwestern University, demonstrating:

• Binary classification for loan default prediction
• Handling class imbalance (22% default rate)
• Explainable AI implementation using SHAP
• Professional UI/UX design for financial services

💡 Key Technologies

• Frontend: Streamlit
• ML Model: XGBoost
• Explainability: SHAP
• Database: DuckDB
• Visualization: Plotly

📝 License

MIT License - See LICENSE file for details

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PulseCheck Credit Risk Scoring System
Version 2.0 | Powered by XGBoost & SHAP