
LoanLens
Credit risk decision intelligence · Capstone
1.1M
loan records
Problem — Lenders need default predictions that are accurate on imbalanced data and explainable to borrowers.
Approach — Trained XGBoost, LightGBM and Random Forest on 1.1M LendingClub records with class weighting for a 4:1 imbalance. Added SHAP per-applicant explanations and live FRED macro data at inference.
Result — AUC-ROC 0.703 · 0.67 recall on held-out data, served via FastAPI + React dashboard with a GPT plain-language explainer.















