At FairTrade, we offer a platform where visitors have the opportunity to register as either lenders or borrowers. To ensure trust and security, FairTrade conducts a thorough verification process for all registered borrowers. This process evaluates a wide range of information, including personal, financial, and professional details, to generate a Repayment Score. This score is a reflection of a borrower's creditworthiness and repayment capacity, providing lenders with a reliable metric to assess potential risks before extending a loan. Consequently, lenders can easily identify and engage with borrowers who meet their criteria for credit reliability, facilitating a smooth and secure lending process.
Dataset - https://www.kaggle.com/janiobachmann/lending-club-risk-analysis-and-metrics/data
ML file - TrainCRA.py
More info about Fairtrade- https://docs.google.com/document/d/18RyCkLanKWdKJ3pLD0r4e9XOV7OYSSSuEJDdUORPcfE/edit?usp=sharing