AKKI-AFK/ECL-Risk-Analyzer

🧮 ECL Risk Analyzer

ECL Risk Analyzer is a Streamlit-based web app that automates Expected Credit Loss (ECL) analysis and provides AI-driven recommendations on credit decisions.

🔍 Features

• —Upload loan datasets (CSV format).
• —Compute key credit metrics:
• —PD – Probability of Default
• —LGD – Loss Given Default
• —EAD – Exposure at Default
• —ECL – Expected Credit Loss
• —Visualize segment-level performance with interactive charts.
• —Get AI recommendations (via Gemini 2.5 Flash Lite) to:
• —Increase interest
• —Reduce disbursement
• —Maintain current policy
• —Role-based access:
• —Analyst: Run and review segment analyses.
• —CRO: Audit all analyst reports and view trends.

🧠 Tech Stack

• —Frontend: Streamlit
• —AI Engine: Gemini API
• —Database: SQLite (via SQLAlchemy)
• —Hosting: Hugging Face Spaces (Docker SDK)

🚀 Quick Start

1. 1.Upload your loan dataset (CSV).
2. 2.Select a segmentation column (e.g., loan intent, area, or occupation).
3. 3.View computed ECL metrics and charts.
4. 4.Choose a segment to get AI-based recommendations.

📊 Example Output

🛠️ Customization

Modify /src/streamlit_app.py to:

• —Adjust prompts or logic.
• —Change chart styles.
• —Extend user roles or security.