Perseverance305/credit-risk-system

A production-inspired South African credit risk, affordability, loan pricing and IFRS 9 simulation platform built with Python. # Credit Risk System > **A production-inspired South African credit risk, affordability, loan pricing and IFRS 9 simulation platform built with Python.** ## Overview The **Credit Risk System** is a modular banking platform that simulates how financial institutions evaluate loan applications, assess credit risk, price loans, and estimate expected credit losses under **IFRS 9**. The project is designed to bridge the gap between accounting, banking, data engineering, machine learning, and software engineering by implementing realistic banking workflows in a clean, extensible software architecture. Rather than focusing solely on machine learning, the system models the complete lending lifecycle—from customer onboarding and affordability assessment to credit risk modelling and loan pricing. --- # Objectives This project aims to: * Build a production-inspired banking application using modern software engineering practices. * Simulate South African lending and affordability assessments. * Implement modular, object-oriented Python architecture. * Demonstrate Git and GitHub best practices through incremental development. * Integrate data engineering and machine learning into a realistic financial system. * Implement IFRS 9 Expected Credit Loss (ECL) concepts using Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD). * Provide a portfolio-quality project demonstrating professional software development. --- # Planned Features ## Customer Management * Customer profiles * Employment information * Financial profiles * Assets and investments * Bank account information --- ## Loan Management * Loan applications * Loan products * Loan purposes * Loan terms * Loan repayment schedules --- ## Affordability Assessment * Disposable income calculation * Debt-to-Income (DTI) * Payment-to-Income (PTI) * Affordability decision engine * Lending policy validation --- ## Credit Risk Assessment * Credit bureau integration (simulation) * Cred …