🧠 AI-Powered Loan Risk Intelligence Engine 🎯 Business Objective

A bank wants to:

Reduce loan defaults

Minimize financial loss

Avoid rejecting good customers

Make explainable decisions

⚖ Business Trade-Off Scenario Business Impact False Negative (Approve risky customer) Financial loss False Positive (Reject safe customer) Lost revenue + bad customer experience

👉 This is a cost-sensitive classification problem.