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Machine Learning Intermediate

LoanLadder

Two-stage loan approval and amount estimation

Stage one decides approve or decline; stage two estimates how much to lend — with fairness checks across applicant groups.

SHIPSTACK · PROJECT LoanLadder Two-stage loan approval andamount estimation Intermediate Machine Learning 1 Application 2 Stage 1 3 Stage 2 4 Decision API 5 milestones

The scenario

LoanLadder chains a classifier and a regressor into a lending decision system. You will handle class imbalance, calibrate probabilities, check fairness metrics, and package the two models behind one API with input validation.

System architecture

01 Application Applicant data
02 Stage 1 Approve / decline
03 Stage 2 Loan amount
04 Decision API With reasons

High-level flow of LoanLadder, from input to output.

What you will learn

  • Chaining models into a decision system
  • Calibration and class imbalance
  • Fairness assessment

What you will build

  • Approval classifier
  • Amount regressor
  • Decision API

Build plan

  1. Data prep
  2. Classifier
  3. Regressor
  4. Fairness checks
  5. API

Tech stack

scikit-learnLightGBMFairlearnFastAPIDocker