CRCreditum Documentation

Comprehensive technical documentation for the AI-powered credit risk assessment platform

CRCreditum: Comprehensive Credit Risk Assessment Platform

CRCreditum is an advanced, AI-powered credit risk assessment platform designed to revolutionize lending decisions across multiple financial sectors. Built with cutting-edge machine learning technology and sophisticated risk modeling, the platform provides specialized interfaces for different types of lenders while maintaining institutional-grade security and compliance.

Key Innovation Areas

Advanced ML Models

Six specialized machine learning models using XGBoost, Random Forest, and Neural Networks, each optimized for specific lending contexts with SHAP explainability achieving 87%+ accuracy.

• Individual: Ensemble (RF + GB + Neural Network)

• Commercial: XGBoost with Basel III integration

• Agricultural: Weather-aware XGBoost + Time Series

• Auto Dealer: LightGBM + Depreciation modeling

• Community: Alternative scoring with social capital

• Research: Full model suite with analytics

Regulatory Compliance

Built-in Basel III compliance monitoring, CRA opportunity mapping, and automated stress testing ensure adherence to financial regulations.

• Capital Adequacy Ratio (CAR) tracking

• Liquidity Coverage Ratio (LCR) monitoring

• Community Reinvestment Act scoring

• Stress testing and scenario analysis

• Fair lending compliance checks

Economic Intelligence

Real-time FRED API integration with ML-powered forecasting using Ornstein-Uhlenbeck processes for economic trend prediction and risk adjustment.

• 30/60/90-day economic forecasts

• GDP, inflation, unemployment tracking

• Interest rate trend analysis

• Correlation analysis with credit risk

• Custom indicator weighting

Multi-Interface Design

Six specialized interfaces with unique risk factors, UI/UX optimizations, and business logic tailored for different lending sectors and user types.

• Individual: Personal credit with what-if scenarios

• Commercial: Enterprise lending with portfolios

• Agricultural: Weather/seasonal risk modeling

• Auto Dealer: Vehicle depreciation dynamics

• Community: Alternative credit scoring

• Research: Academic data analysis tools

Technical Architecture

The platform employs a microservices-inspired architecture with three main components:

Frontend (Next.js 14): React-based UI with TypeScript, Tailwind CSS, and glass morphism design system. Features real-time updates via WebSocket connections.

Backend (NestJS): Node.js backend with Prisma ORM, JWT authentication, and comprehensive API design following RESTful principles.

ML Service (FastAPI): Python-based ML microservice with scikit-learn, XGBoost, and TensorFlow models, featuring SHAP explainability.

Business Impact

CRCreditum addresses critical challenges in modern lending by providing transparent, explainable AI decisions that reduce bias, improve accuracy, and enable financial inclusion. The platform's sophisticated risk modeling helps lenders make better decisions while maintaining regulatory compliance and serving underserved communities.