Home Credit Default Risk — Complete Version

Table of Contents

• Project Description
• Key Features
• Dependencies
• Installation and Setup
• Usage
• Project Structure
• Data Folder
• Results and Models
• Contributing
• License

Project Description

This project is a complete implementation of the Kaggle competition Home Credit Default Risk.
It predicts the probability of a client defaulting on a loan based on application and credit history data.
The pipeline covers the full data science process — from data loading to submission file creation —
focusing on preprocessing, feature engineering, modeling, and evaluation.

The code is universal and can run in various environments (Google Colab, Jupyter Notebook, or local machine) without Colab dependencies. Dataset paths can be manually adjusted.

Key Features

• Data Loading – Loads all Home Credit datasets (application_train, application_test, etc.).
• Data Exploration – Inspects missing values, data types, duplicates, and anomalies.
• Preprocessing – Handles missing values, outliers (IQR capping), normalization, and one-hot encoding.
• Feature Engineering – Creates new features (e.g., income-credit ratio) and aggregates related data.
• Modeling – Trains multiple models (Logistic Regression, Decision Tree, Random Forest, etc.) with hyperparameter tuning and ensemble (Voting Classifier).
• Evaluation – Uses ROC-AUC, ROC curves, and SHAP for interpretability.
• Submission – Generates a final submission.csv for Kaggle upload.
• Business Recommendations – Includes actionable insights for model deployment in real-world use cases.

Dependencies

Install the required Python libraries before running the code:

pip install pandas numpy matplotlib seaborn scikit-learn imbalanced-learn shap

Installation and Setup

1. Clone this repository

   git clone https://github.com/FajrinCd/home-credit-default-risk-complete.git
   cd home-credit-default-risk-complete

2. Download the dataset
   Get it from Kaggle: Home Credit Default Risk
   and extract all CSV files into a local folder (e.g., /path/to/home-credit-data/).

3. Run the project
   You can run it in Google Colab, Jupyter Notebook, or any Python environment.

Usage

1. Run the Main Code

• Open home_credit_model.py (or your chosen filename).
• Input the dataset path when prompted (e.g., /path/to/home-credit-data/).
• The code will process data, train models, and generate the final submission.csv.

2. Outputs

• Intermediate files:
  application_train_merged.csv, application_test_merged.csv,
  application_train_featured.csv, application_test_featured.csv
• Final submission: submission.csv (for Kaggle upload)
• Visualizations: ROC curve, feature importance, SHAP summary plot

3. Example Run (Terminal)

python home_credit_model.py

Project Structure

home-credit-default-risk-complete/
├── home_credit_model.py        # Main script (complete pipeline)
├── requirements.txt            # List of dependencies
├── README.md                   # Project documentation
└── data                        # Folder containing all CSV datasets

• requirements.txt — Lists all dependencies (see Dependencies).
• data/ (optional) — Contains all Home Credit datasets.
  You can download them from the official Kaggle Competition Page.

Data Folder

This folder stores all datasets used in the Home Credit Default Risk project.
Each file provides information about client applications, credit history, and payment performance.

Tip: Store all datasets inside the data/ folder for easier access, or adjust file paths in your code if stored elsewhere.

Results and Models

• Best Model: Random Forest or Voting Classifier (ROC-AUC ≈ 0.75+, depending on tuning).
• Evaluation: ROC curves visualize performance; SHAP highlights key predictive features like EXT_SOURCE_2.
• Recommendations: Deploy as part of a credit risk monitoring dashboard using external score features for segmentation.

Contributing

Contributions are welcome!

• Fork this repository and create a new branch for your feature or fix.
• Submit a pull request with a clear description of your changes.
• Report bugs or suggestions via GitHub Issues.

License

This project is licensed under the MIT License.
You are free to use, modify, and distribute this project for educational or non-commercial purposes.

For questions or feedback, open an issue on GitHub or contact the maintainer: dgartup@gmail.com
Happy coding! 🚀