scorecard-package 1.0.0__tar.gz

scorecard_package-1.0.0/LICENSE

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+MIT License
+
+Copyright (c) 2026 Sanket Shrishrimal
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

scorecard_package-1.0.0/MANIFEST.in

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+include README.md
+include LICENSE
+include requirements.txt
+recursive-include Scorecard_Package *.py
+recursive-include Scorecard_Package *.xlsx
+recursive-include Scorecard_Package *.csv
+recursive-include Scorecard_Package *.json

scorecard_package-1.0.0/PKG-INFO

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+Metadata-Version: 2.4
+Name: scorecard-package
+Version: 1.0.0
+Summary: Python framework for credit risk scorecard development, validation, deployment and monitoring.
+Home-page: https://github.com/sanket-shrishrimal/Scorecard-Package
+Download-URL: https://github.com/sanket-shrishrimal/Scorecard-Package/archive/refs/tags/v1.0.0.tar.gz
+Author: Sanket Shrishrimal
+Author-email: shrishrimalsanket@gmail.com
+License: MIT
+Project-URL: Documentation, https://github.com/sanket-shrishrimal/Scorecard-Package
+Project-URL: Source, https://github.com/sanket-shrishrimal/Scorecard-Package
+Project-URL: Issues, https://github.com/sanket-shrishrimal/Scorecard-Package/issues
+Keywords: credit risk,credit scorecard,scorecard development,credit scoring,woe,information value,logistic regression,weighted logistic regression,vif,stepwise regression,psi,csi,model validation,credit modelling,risk modelling,banking,nbfc,fintech
+Classifier: Development Status :: 4 - Beta
+Classifier: Intended Audience :: Financial and Insurance Industry
+Classifier: Intended Audience :: Developers
+Classifier: Intended Audience :: Science/Research
+Classifier: Programming Language :: Python :: 3
+Classifier: Programming Language :: Python :: 3.9
+Classifier: Programming Language :: Python :: 3.10
+Classifier: Programming Language :: Python :: 3.11
+Classifier: Programming Language :: Python :: 3.12
+Classifier: Programming Language :: Python :: 3 :: Only
+Classifier: License :: OSI Approved :: MIT License
+Classifier: Operating System :: OS Independent
+Classifier: Topic :: Scientific/Engineering
+Classifier: Topic :: Office/Business :: Financial
+Classifier: Topic :: Scientific/Engineering :: Information Analysis
+Requires-Python: >=3.9
+Description-Content-Type: text/markdown
+License-File: LICENSE
+Requires-Dist: numpy>=1.22
+Requires-Dist: pandas>=1.5
+Requires-Dist: scipy>=1.9
+Requires-Dist: statsmodels>=0.13
+Requires-Dist: scikit-learn>=1.2
+Requires-Dist: matplotlib>=3.6
+Requires-Dist: openpyxl>=3.0
+Requires-Dist: joblib>=1.2
+Dynamic: author
+Dynamic: author-email
+Dynamic: classifier
+Dynamic: description
+Dynamic: description-content-type
+Dynamic: download-url
+Dynamic: home-page
+Dynamic: keywords
+Dynamic: license
+Dynamic: license-file
+Dynamic: project-url
+Dynamic: requires-dist
+Dynamic: requires-python
+Dynamic: summary
+
+# Scorecard Package
+
+Python 3.9+
+
+Version 1.0.0
+
+MIT License
+
+
+PyPI
+
+> Enterprise Credit Risk Scorecard Development Framework
+
+Develop production-ready credit risk scorecards using industry-standard methodologies including Fine Classing (automatic fine binning) and Coarse Classing (user-controlled bin merging), WOE, IV, CSI, Correlation Analysis, VIF, Stepwise Logistic Regression,  Logistic Regression, Weighted Logistic Regression, KS, GINI, Score Calibration, PSI, Validation and Deployment.
+
+A comprehensive Python package for developing, validating, deploying and monitoring credit risk scorecards using industry-standard methodologies such as **WOE, IV, KS, Logistic Regression, Weighted Logistic Regression, PSI and CSI**.
+
+---
+
+## Overview
+
+Scorecard Package provides an end-to-end framework for building production-ready credit risk scorecards.
+
+The package automates the complete scorecard development lifecycle including:
+
+### Data Preparation
+
+- Fine Classing
+- Coarse Classing
+- Rule Management
+
+### Feature Engineering
+
+- WOE
+- IV
+- KS
+
+### Model Development
+
+- Correlation Analysis
+- VIF
+- Stepwise Regression
+- Logistic Regression
+- Weighted Logistic Regression
+
+### Validation & Monitoring
+
+- PSI
+- CSI
+- Deployment
+
+Designed for:
+
+- Banks
+- NBFCs
+- FinTech Companies
+- Credit Risk Analysts
+- Data Scientists
+- Model Validation Teams
+
+---
+
+# Features
+
+✅ Fine Classing
+
+✅ Coarse Classing
+
+✅ Automatic WOE Transformation
+
+✅ Information Value (IV)
+
+✅ KS Calculation
+
+✅ Variable Bivariate Reports
+
+✅ Correlation Analysis
+
+✅ VIF Filtering
+
+✅ Stepwise Regression
+
+✅ Logistic Regression
+
+✅ Weighted Logistic Regression
+
+✅ Score Calibration
+
+✅ Scorecard Generation
+
+✅ Automatic Score Banding
+
+✅ Model Validation
+
+✅ Deployment Framework
+
+✅ PSI Monitoring
+
+✅ CSI Monitoring
+
+✅ Export to Excel / CSV
+
+---
+
+# Installation
+
+```bash
+pip install scorecard-package
+```
+
+Import the package:
+
+```python
+import Scorecard_Package as sp
+```
+
+or install directly from GitHub
+
+```bash
+pip install git+https://github.com/sanket-shrishrimal/Scorecard-Package.git
+```
+
+---
+
+# Requirements
+
+- Python 3.9+
+- NumPy
+- Pandas
+- SciPy
+- Statsmodels
+- Scikit-learn
+- OpenPyXL
+- Matplotlib
+- Joblib
+
+---
+
+# Package Structure
+
+```
+Scorecard_Package
+│
+├── Fine_Classing.py
+├── Coarse_Classing.py
+├── Binning_Rules.py
+├── Modelling.py
+├── Validation.py
+└── CSI.py
+```
+
+---
+
+# Workflow
+
+```
+Raw Data
+     │
+     ▼
+Fine Classing
+     │
+     ▼
+Coarse Classing
+     │
+     ▼
+WOE Transformation
+     │
+     ▼
+Correlation Analysis
+     │
+     ▼
+VIF Filtering
+     │
+     ▼
+Stepwise Selection
+     │
+     ▼
+Logistic Regression
+     │
+     ▼
+Score Calibration
+     │
+     ▼
+Validation
+     │
+     ▼
+Deployment
+     │
+     ▼
+PSI / CSI Monitoring
+```
+
+---
+
+# Quick Start
+
+```python
+import Scorecard_Package as sp
+```
+
+### Fine Classing
+
+```python
+import Scorecard_Package as sp
+
+summary, bivariates, rules = sp.fine_classing(
+    df=train_df,
+    target="Default",
+    ...
+)
+```
+
+### Coarse Classing
+
+```python
+summary,bivariates,rules=sp.coarse_classing(...)
+```
+
+### Model Development
+
+```python
+results=sp.scorecard_model_pipeline(...)
+```
+
+### Validation
+
+```python
+results=sp.deploy_model(...)
+```
+
+### CSI
+
+```python
+csi_report=sp.calculate_csi(...)
+```
+
+---
+
+# Main Modules
+
+## Fine_Classing
+
+Automatic fine bin creation with:
+
+- IV
+- KS
+- WOE
+- Bivariate Reports
+- Fine Rules
+
+---
+
+## Coarse_Classing
+
+Automatic and manual bin merging.
+
+Outputs:
+
+- Coarse Rules
+- WOE
+- IV
+- KS
+- Monotonicity
+
+---
+
+## Modelling
+
+Complete scorecard development pipeline.
+
+Includes:
+
+- Correlation Analysis
+- VIF
+- Stepwise Selection
+- Logistic Regression
+- Weighted Logistic Regression
+- Score Calibration
+- Scorecard Generation
+
+---
+
+## Validation
+
+Production scoring module.
+
+Automatically performs:
+
+- Rule Loading
+- WOE Transformation
+- PD Prediction
+- Score Generation
+- Band Assignment
+- PSI Calculation
+
+---
+
+## CSI
+
+Characteristic Stability Index calculation.
+
+Supports:
+
+- Development vs Validation comparison
+- Stability Reports
+- Excel Export
+
+---
+
+# Outputs
+
+The package automatically generates:
+
+| Module          | Output                     |
+| --------------- | -------------------------- |
+| Fine Classing   | Summary, Bivariates, Rules |
+| Coarse Classing | Summary, Rules             |
+| Modelling       | Model, Scorecard, Metrics  |
+| Validation      | Validation Report          |
+| CSI             | CSI Report                 |
+
+
+---
+
+## Why Scorecard Package?
+
+Unlike generic machine learning libraries, Scorecard Package provides an end-to-end implementation of the complete credit scorecard lifecycle used across banks, NBFCs and financial institutions. The framework focuses on transparency, reproducibility and production-ready deployment rather than black-box modelling.
+
+- End-to-end workflow
+- Industry-standard methodology
+- Transparent calculations
+- Reusable rule engine
+- Production deployment support
+- Excel and CSV exports
+- No hidden black-box modeling
+
+---
+
+# Documentation
+
+A comprehensive User Guide with detailed examples and case studies is currently under development.
+
+---
+
+## Upcoming Features
+
+- Reject Inferencing
+- SHAP-based Model Explainability
+- Model Monitoring Dashboard
+- Interactive HTML Reports
+- Automated Documentation
+- Population Drift Reports
+- Hyperparameter Optimization
+
+---
+
+# Version
+
+Current Version
+
+```
+1.0.0
+```
+
+---
+
+# Author
+
+**Sanket Shrishrimal**
+
+Credit Risk & Analytics Consultant
+
+Mumbai, India
+
+---
+
+# License
+
+MIT License
+
+---
+
+# Contributing
+
+Contributions, feature requests and bug reports are welcome.
+
+Please create an Issue or Pull Request.
+
+---
+
+# Contact
+
+For questions, feature requests or collaboration:
+
+**Email**
+
+shrishrimalsanket@gmail.com
+
+---
+
+# Acknowledgements
+
+This package was developed to simplify and standardize enterprise credit scorecard development while remaining fully transparent and customizable for production use.