Credit-Risk-Scorecard

Explainable credit scorecard (WoE and logistic regression) on 307,511 Home Credit applicants: AUC 0.754 on holdout; 47% fewer credit losses at 80% approval

A new way for AI to search for data
View on GitHub
1GitHub stars
79commits on main
0forks
v1.1.0latest release, 2026-10-25

Jupyter Notebook 86.7%, Python 13.3% · created 2026-07-17 · last push 2026-10-29

What XERJ indexed

Snapshot

78 files · 4.6 MB

The whole repository at commit bac2dde102 (2026-10-17). main is 42 commits ahead.

Selected work

Alven Yuka
@alvenyuka

“Rebuild the live case-study page from the executed outputs”. 3 files, 306 lines in demo, the project root.

Licence

The repository

MIT

LICENSE file checked at the pinned commit; the author agreed to inclusion.

The XERJ corpus

MIT, with credit

The author agreed by email on 2026-10-28. Same terms as the repository. Answers name the repo, the commit and the file:line.

selected for the XERJ Corpus Hublicence clearedsuggested use: adapt with attribution

credit-riskcredit-scorecardhome-creditjupyter-notebooklogistic-regressionpythonweight-of-evidencefintech

Example questions

Inside the indexed corpus

Licence on GitHub and in the corpus

GitHub reported MIT for alvenyuka/Credit-Risk-Scorecard on 2026-10-29, and the LICENSE file at commit bac2dde102 was reviewed as MIT. They match, so answers from this corpus carry the same terms as the live repository.

Contributors

Alven Yuka (@alvenyuka) has 1 selected repository on the hub.

Using XERJ with Credit-Risk-Scorecard

The prompt

Paste it into your AI agent. It clones alvenyuka/Credit-Risk-Scorecard at the pinned commit and indexes it on your machine.

Search the GitHub repository alvenyuka/Credit-Risk-Scorecard with XERJ (https://hub.xerj.org/corpus/alvenyuka--credit-risk-scorecard).
Run these in a shell, in order, and check each result before the next:
1. xerj --help  (success: it prints usage). If xerj is missing: curl -fsSL https://xerj.org/get | sh
2. git clone https://github.com/alvenyuka/Credit-Risk-Scorecard Credit-Risk-Scorecard && git -C Credit-Risk-Scorecard checkout bac2dde102160f532c4728dafdbd8a7c47142cc0
3. Start a local node and leave it running: xerj --insecure --data-dir ./xerj-data
4. xerj autoindex ./Credit-Risk-Scorecard --url http://127.0.0.1:9200 --prefix credit-risk-scorecard --progress plain
5. xerj autoindex map --url http://127.0.0.1:9200
Then answer my question from the indexed files and cite the ax_path of every hit. Query syntax: https://xerj.org/llms.txt
Licence: MIT. Keep the copyright notice and credit the authors.

Related

Stats: GitHub API, fetched 2026-10-29. Snapshot: the git tree at the pinned commit. Selected work and consent: the XERJ registry.