Credit Scoring Python Packages

optbinning

Optimal binning: monotonic binning with constraints. Support batch & stream optimal binning. Scorecard modelling and counterfactual explanations.

scorecardpy

Scorecard Development in python, 评分卡

toad

ESC Team's credit scorecard tools.

xbooster

Explainable Boosted Scoring with Python: turning XGBoost, LightGBM, and CatBoost into explainable scorecards

transitionmatrix

Statistical analysis and visualization of state transition phenomena

pragmatiq

Independent banking event-sequence modeling toolkit inspired by arXiv:2604.08649; not affiliated with or endorsed by Revolut.

woe

Tools for WoE Transformation mostly used in ScoreCard Model for credit rating

equity-jenga-api

[WIP] Unofficial Python wrapper around the JengaAPIs that are pre-integrated into the financial, identity, credit and payment systems across Africa.

rejectkit

Reject inference for credit scoring — 8 scikit-learn-compatible methods plus an honest benchmark that tells you whether it actually helps.

skcredit

scorecard

finreg-ml

Regulation-aware ML pipeline for finance — explainability, fairness audits, and EU AI Act compliance built into model training

scoreapi

Payment Score API - Standardizing credit scoring in Africa and beyond