Building an Affordability-First Credit Stack: Three ML Projects on Real Lending Data

The engineering behind three fintech machine-learning projects: behavioural default risk, affordability-based risk, and Open Banking transaction categorisation, with the decisions that actually matter." Most "predict loan default" tutorials make the same three mistakes: they report accuracy on an imbalanced target, they leak future information into the features, and they stop at a probability instead of a decision. This write-up is about avoiding all three, across three projects on real lending…