bamideleadedeji/nigeria-credit-intelligence

A machine learning suite for predicting optimal credit limits in the Nigerian fintech space. Utilizes regression modeling to assess risk for SME loans and personal credit lines, localized for Naira (₦) and regional economic variables. # 🇳🇬 Nigeria Credit Intelligence Suite (NCIS) ## Overview The **Nigeria Credit Intelligence Suite** is a localized machine learning framework designed to predict optimal credit limits for the Nigerian digital lending market. Unlike traditional models based on Western credit scores, NCIS focuses on **Alternative Data** and **Regional Economic Variables** to drive financial inclusion for the underbanked. ## Key Features * **Naira-Centric Logic:** All predictions are calculated in ₦, factoring in local inflation and debt-to-income ratios standard in the Nigerian banking sector. * **Alternative Data Modeling:** Incorporates non-traditional variables such as **BVN Verification status**, **Geopolitical Zone risk weighting**, and **Digital Channel engagement**. * **Sector-Specific Risk Tiers:** Tailored risk assessment for high-growth sectors: * **SME Inventory:** Support for "Buy Now, Pay Later" (BNPL) for traders. * **Solar/Green Finance:** Specialized scoring for renewable energy asset financing. * **Education:** Risk models for tuition and school fee loans. * **Real-Time Inference:** Built with a low-latency architecture (tested at <15ms) for seamless integration into mobile banking apps. ## Technical Stack * **Core Engine:** Python & Scikit-Learn (Random Forest Regression) * **Interface:** Streamlit Cloud for real-time dashboarding * **Visualization:** Plotly Interactive Analytics ## Developed By **Bamidele Adedeji** *Professional Accountant & Data Researcher* *M.Sc. Economics | PGD Statistics (University of Ibadan)* --- *This project serves as a technical demonstration of localized AI applications in the 2026 Nigerian Fintech Ecosystem.*