Credit Evaluation Alternative Model for Low-credit Small Business Owners, Utilizing Lifestyle-based ESG Quantitative Indicators

Developed a credit scoring model that integrates behavioral ESG indicators for underserved micro-enterprises

• Incorporated non-financial ESG features such as energy savings, community participation, and privacy protection alongside traditional credit data
• Built an XGBoost + SHAP-based ensemble model, ensuring explainability and fairness
• Selected as a National Finalist & Awardee at the 2025 FIN:NECT Challenge
  • 🔗 LinkedIn Page