Amara AI

Amara AI is a credit risk assessment platform designed to provide transparent and explainable credit scoring for financial institutions.

Traditional credit scoring models were opaque and excluded thin-file borrowers who lacked extensive credit history. Our goal was to create a more inclusive system while maintaining high predictive accuracy.

problem

Financial institutions needed a way to assess creditworthiness for borrowers with limited credit history while maintaining transparency for regulatory compliance.

approach

Developed an ensemble model combining XGBoost and LightGBM, incorporating alternative data sources including transaction patterns and behavioral signals. Implemented SHAP (SHapley Additive exPlanations) values to provide feature-level explanations for each prediction.

outcome

Improved Gini coefficient by 15% compared to the previous model. Reduced false positives by 8%, leading to better approval rates for qualified borrowers while maintaining risk thresholds.