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

hugiml-core

High-performance interpretable ML classifier using High Utility Gain patterns (IEEE Access 2024). C++ accelerated, scikit-learn compatible, with EBM-style explanations, adaptive binning, pattern pruning, and deployment tooling for regulated domains.

toad

ESC Team's credit scorecard tools.

compileml

Compile tree-ensemble models into deterministic, auditable decision artifacts — score, calibrated PD, risk bands, and adverse-action reason codes in one hashed JSON that produces identical integers in Python, SQL, and COBOL.

xbooster

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

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

pamir

Open benchmark for credit-default prediction with scarce and delayed labels: 19 public datasets, label-delayed streaming and i.i.d. evaluation, leakage-controlled synthetic augmentation. pip install pamir

equity-jenga-api

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

creditsetu

Open-source, explainable credit intelligence engine for thin-file and alternative-data lending. pip install creditsetu — score customers with no bureau history from behavioral transaction data, explain every decision, adapt currency/policy via config.

transitionmatrix

Statistical analysis and visualization of state transition phenomena

skcredit

scorecard

finreg-ml

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

rejectkit

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

scoreapi

Payment Score API - Standardizing credit scoring in Africa and beyond