Production-ready MSME Credit Risk Pipeline (V3.0). Solved critical data integrity issues (target/scaling) for 47% AUC lift (0.88). Model implements a hard-cutoff policy based on DPD/Utilization, ensuring portfolio PD drops below the 3.75% break-even threshold.
finance machine-learning data-validation fintech credit-risk msme value-chain model-governance risk-based-pricing
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Updated
Nov 24, 2025 - Python