MSME credit scoring for NBFC underwriters, with an explanation attached to every score.
Underwriters will not act on a number they cannot defend, so this scores an MSME and then shows its working. An XGBoost model trained on GST filings, credit bureau data, and bank statements produces the score; SHAP values break down which inputs moved it and by how much; the Claude API turns that breakdown into the written credit report an underwriter actually files.
It runs on AWS EC2, RDS, and S3 with Redis in front of the read path, holding P99 response time under 200 ms. Built as a working demo rather than a product with paying customers.