riskontech.github.io/data.js at main · RiskonTech/riskontech.github.io · GitHub

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const applicantsData = {
  "120397": {
    "personal": { "name": "Rohan Gupta", "dob": "21/04/1986", "gender": "Male" },
    "graphImage": "graphs/riskon_animation_applicant_120397.gif",
    "geminiSummary": "The applicant, Rohan Gupta, is assessed as 'Low' risk. Although the applicant's full history shows some volatility, including a past spike in risk, their predicted probability of default has stabilized in recent months. The latest data points indicate a consistent and low-risk profile, making them a suitable candidate for credit.",
    "history": [
      {"Risk_Category":"Low", "Month_Offset": -1, "Predicted_Prob_Default": 0.22088797155978898},
      {"Risk_Category":"Low", "Month_Offset": -2, "Predicted_Prob_Default": 0.1999051538836631},
      {"Risk_Category":"Low", "Month_Offset": -3, "Predicted_Prob_Default": 0.20089186185663524}
    ]
  },
  "205743": {
    "personal": { "name": "Isha Reddy", "dob": "19/11/1991", "gender": "Female" },
    "graphImage": "graphs/riskon_animation_applicant_205743.gif",
    "geminiSummary": "This applicant, Isha Reddy, is categorized as 'Medium' risk. Her profile shows a notable increase in default probability in the months immediately preceding the application, shifting from low to medium risk. While the overall risk is moderate, this recent upward trend warrants a cautious evaluation.",
    "history": [
      {"Risk_Category":"Medium", "Month_Offset": -1, "Predicted_Prob_Default": 0.32959939373652714},
      {"Risk_Category":"Medium", "Month_Offset": -2, "Predicted_Prob_Default": 0.3003194355248934},
      {"Risk_Category":"Low", "Month_Offset": -3, "Predicted_Prob_Default": 0.15037180675585593}
    ]
  },
  "229335": {
    "personal": { "name": "Amit Kumar", "dob": "30/07/1978", "gender": "Male" },
    "graphImage": "graphs/riskon_animation_applicant_229335.gif",
    "geminiSummary": "Amit Kumar is assessed as a 'Medium' risk candidate. His historical data shows a period of very high risk (above 0.9) approximately seven years prior to application. However, his risk profile has since stabilized, remaining consistently in the medium range in the most recent period. The past volatility should be noted, but the current assessment is moderate.",
    "history": [
      {"Risk_Category":"Medium", "Month_Offset": -1, "Predicted_Prob_Default": 0.4679934265026425},
      {"Risk_Category":"Medium", "Month_Offset": -2, "Predicted_Prob_Default": 0.4478445165905777},
      {"Risk_Category":"Medium", "Month_Offset": -3, "Predicted_Prob_Default": 0.5346760067895617}
    ]
  },
  "234968": {
    "personal": { "name": "Sneha Patel", "dob": "02/02/1995", "gender": "Female" },
    "graphImage": "graphs/riskon_animation_applicant_234968.gif",
    "geminiSummary": "The applicant, Sneha Patel, has a dynamic risk profile that has recently improved, moving from 'Medium' to 'Low' risk. While her history shows periods of significantly higher risk (peaking above 0.8), the most recent trend is positive and shows decreasing default probability. This recent improvement suggests a stronger current financial position.",
    "history": [
      {"Risk_Category":"Low", "Month_Offset": -4, "Predicted_Prob_Default": 0.2306256274167947},
      {"Risk_Category":"Medium", "Month_Offset": -5, "Predicted_Prob_Default": 0.33770456553033706},
      {"Risk_Category":"Medium", "Month_Offset": -6, "Predicted_Prob_Default": 0.4878790572776031}
    ]
  },
  "257537": {
    "personal": { "name": "Varun Singh", "dob": "15/09/1989", "gender": "Male" },
    "graphImage": "graphs/riskon_animation_applicant_257537.gif",
    "geminiSummary": "Varun Singh's profile is categorized as 'High' risk. The data shows his probability of default consistently bordering between medium and high, culminating in a high-risk assessment at the time of application (Month 0). This pattern suggests a tangible risk of financial unpredictability, warranting significant caution.",
    "history": [
      {"Risk_Category":"High", "Month_Offset": 0, "Predicted_Prob_Default": 0.7196559119171034},
      {"Risk_Category":"Medium", "Month_Offset": -1, "Predicted_Prob_Default": 0.6668090497944398},
      {"Risk_Category":"High", "Month_Offset": -2, "Predicted_Prob_Default": 0.7196559119171034}
    ]
  },
  "338391": {
    "personal": { "name": "Pooja Sharma", "dob": "25/12/1993", "gender": "Female" },
    "graphImage": "graphs/riskon_animation_applicant_338391.gif",
    "geminiSummary": "Pooja Sharma is a 'High' risk applicant. Her data shows a volatile history, with the predicted default probability increasing significantly in the most recent period to over 0.75. This sharp, recent increase into the high-risk category suggests potential financial instability and makes this applicant a high-risk candidate for lending.",
    "history": [
      {"Risk_Category":"High", "Month_Offset": -4, "Predicted_Prob_Default": 0.7672491086753923},
      {"Risk_Category":"Medium", "Month_Offset": -5, "Predicted_Prob_Default": 0.49638602141024396},
      {"Risk_Category":"Medium", "Month_Offset": -6, "Predicted_Prob_Default": 0.6533933702833217}
    ]
  },
  "348704": {
    "personal": { "name": "Karan Malhotra", "dob": "11/06/1982", "gender": "Male" },
    "graphImage": "graphs/riskon_animation_applicant_348704.gif",
    "geminiSummary": "Karan Malhotra is assessed as a 'High' risk candidate. His profile demonstrates extreme volatility, with the probability of default soaring to over 0.9 just before the application date. Although the final data point at Month 0 shows a drop to a medium level, the preceding period of exceptionally high risk indicates significant instability and a high likelihood of future default.",
    "history": [
      {"Risk_Category":"Medium", "Month_Offset": 0, "Predicted_Prob_Default": 0.6817765112021317},
      {"Risk_Category":"High", "Month_Offset": -1, "Predicted_Prob_Default": 0.9010377002921635},
      {"Risk_Category":"High", "Month_Offset": -2, "Predicted_Prob_Default": 0.9107532774447207}
    ]
  },
  "419683": {
    "personal": { "name": "Diya Joshi", "dob": "08/03/1990", "gender": "Female" },
    "graphImage": "graphs/riskon_animation_applicant_419683.gif",
    "geminiSummary": "The applicant, Diya Joshi, has a 'Medium' risk profile. Her risk trajectory shows a steady increase in the months leading up to the application, moving from low into the medium-risk category. This recent upward trend, combined with a generally volatile history, suggests a degree of financial inconsistency that requires a cautious lending approach.",
    "history": [
      {"Risk_Category":"Medium", "Month_Offset": -1, "Predicted_Prob_Default": 0.6705335390975286},
      {"Risk_Category":"Medium", "Month_Offset": -2, "Predicted_Prob_Default": 0.44091176664515963},
      {"Risk_Category":"Low", "Month_Offset": -3, "Predicted_Prob_Default": 0.2969134019800969}
    ]
  },
  "440013": {
    "personal": { "name": "Sameer Khan", "dob": "14/10/1987", "gender": "Male" },
    "graphImage": "graphs/riskon_animation_applicant_440013.gif",
    "geminiSummary": "Sameer Khan is rated as a 'High' risk applicant. The data indicates a high probability of default in the two months immediately preceding the application, reaching over 0.72. While the risk level drops to medium at the application date (Month 0), this recent period of high risk is a significant concern and points to considerable financial instability.",
    "history": [
      {"Risk_Category":"Medium", "Month_Offset": 0, "Predicted_Prob_Default": 0.31734054653536914},
      {"Risk_Category":"High", "Month_Offset": -1, "Predicted_Prob_Default": 0.7247436699523805},
      {"Risk_Category":"High", "Month_Offset": -2, "Predicted_Prob_Default": 0.7247436699523805}
    ]
  }
};