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

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const applicantsData = {
  "173563": {
    "personal": { "name": "Aarav Sharma", "dob": "15/05/1988", "gender": "Male" },
    "graphImage": "graphs/riskon_static_graph_applicant_173563.0.png",
    "geminiSummary": "The applicant, Aarav Sharma, presents an exceptionally low-risk profile, classified under the 'Low' risk category with a model-predicted default probability consistently near zero. A review of their payment history reveals a pattern of extraordinary diligence, with all installments being settled between 68 to 98 days ahead of schedule. This behavior is a strong positive indicator of high financial discipline and stability. The model's forecast indicates a sustained low-risk trajectory, making this applicant a prime candidate for credit facilities with minimal anticipated risk.",
    "history": [
      {"Cohort":2.0,"Applicant_ID":173563.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-5,"Installment_Due":10871.55,"Amount_Paid":10871.55,"Payment_Status":"69 days early","Predicted_Prob_Default":0.0001059},
      {"Cohort":2.0,"Applicant_ID":173563.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-4,"Installment_Due":10871.55,"Amount_Paid":10871.55,"Payment_Status":"69 days early","Predicted_Prob_Default":0.0001149},
      {"Cohort":2.0,"Applicant_ID":173563.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-3,"Installment_Due":10871.55,"Amount_Paid":10871.55,"Payment_Status":"68 days early","Predicted_Prob_Default":0.0001352},
      {"Cohort":2.0,"Applicant_ID":173563.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-2,"Installment_Due":10871.55,"Amount_Paid":10871.55,"Payment_Status":"98 days early","Predicted_Prob_Default":0.0000424},
      {"Cohort":2.0,"Applicant_ID":173563.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-1,"Installment_Due":10871.55,"Amount_Paid":10871.55,"Payment_Status":"97 days early","Predicted_Prob_Default":0.0000879},
      {"Cohort":2.0,"Applicant_ID":173563.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":0,"Installment_Due":10871.55,"Amount_Paid":10871.55,"Payment_Status":"97 days early","Predicted_Prob_Default":0.0001026}
    ]
  },
  "146353": {
    "personal": { "name": "Priya Singh", "dob": "22/11/1992", "gender": "Female" },
    "graphImage": "graphs/riskon_static_graph_applicant_146353.0 (1).png",
    "geminiSummary": "Priya Singh is identified as a 'Low' risk applicant, demonstrating a stable and highly reliable credit history. Across a 12-month historical period, every installment was paid ahead of schedule, typically by 11 to 12 days. This consistent, proactive payment behavior reflects strong financial management and a very low likelihood of future delinquency. The model's predictive probability of default is negligible, reinforcing the assessment of this individual as a highly creditworthy candidate.",
    "history": [
        {"Cohort":2.0,"Applicant_ID":146353.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-12,"Installment_Due":13289.805,"Amount_Paid":13289.805,"Payment_Status":"11 days early","Predicted_Prob_Default":0.0001153},
        {"Cohort":2.0,"Applicant_ID":146353.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-11,"Installment_Due":13289.805,"Amount_Paid":13289.805,"Payment_Status":"12 days early","Predicted_Prob_Default":0.0001153},
        {"Cohort":2.0,"Applicant_ID":146353.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-10,"Installment_Due":13289.805,"Amount_Paid":13289.805,"Payment_Status":"12 days early","Predicted_Prob_Default":0.0001153},
        {"Cohort":2.0,"Applicant_ID":146353.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-1,"Installment_Due":13289.805,"Amount_Paid":13289.805,"Payment_Status":"11 days early","Predicted_Prob_Default":0.0001153}
    ]
  },
   "342618": {
    "personal": { "name": "Rohan Mehta", "dob": "01/02/1985", "gender": "Male" },
    "graphImage": "graphs/riskon_static_graph_applicant_342618.0.png",
    "geminiSummary": "This applicant, Rohan Mehta, is flagged as a 'High' risk profile, with the model predicting a very high 97.46% probability of default. The historical data presents a clear pattern of severe delinquency, with multiple installment payments registered as being late by 18 to 24 days within a single payment cycle. This chronic inability to meet payment deadlines suggests significant financial distress or poor fiscal management. The risk associated with this applicant is substantial, and any extension of credit should be considered with extreme caution.",
    "history": [
        {"Cohort":0.0,"Applicant_ID":342618.0,"Risk_Category":"High","Data_Type":"Historical","Month_Offset":-11,"Installment_Due":11279.52,"Amount_Paid":11279.52,"Payment_Status":"24 days late","Predicted_Prob_Default":0.9745521},
        {"Cohort":0.0,"Applicant_ID":342618.0,"Risk_Category":"High","Data_Type":"Historical","Month_Offset":-11,"Installment_Due":606.69,"Amount_Paid":606.69,"Payment_Status":"18 days late","Predicted_Prob_Default":0.9745521},
        {"Cohort":0.0,"Applicant_ID":342618.0,"Risk_Category":"High","Data_Type":"Historical","Month_Offset":-11,"Installment_Due":606.69,"Amount_Paid":606.69,"Payment_Status":"12 days late","Predicted_Prob_Default":0.9745521}
    ]
  },
  "172994": {
    "personal": { "name": "Ananya Reddy", "dob": "19/08/1995", "gender": "Female" },
    "graphImage": "graphs/riskon_static_graph_applicant_172994.0.png",
    "geminiSummary": "Ananya Reddy is evaluated as a 'High' risk applicant based on a predicted default probability of 86.75%. The risk assessment is primarily driven by a significant negative event in the payment history: an installment paid 25 days past its due date, which was also a partial payment (Amount Paid was less than Installment Due). This single instance of severe delinquency is a strong indicator of potential cash flow issues and elevates the applicant's risk profile considerably. Further credit should be considered high-risk.",
    "history": [
        {"Cohort":6.0,"Applicant_ID":172994.0,"Risk_Category":"High","Data_Type":"Historical","Month_Offset":-8,"Installment_Due":6546.33,"Amount_Paid":6064.29,"Payment_Status":"25 days late","Predicted_Prob_Default":0.8674746}
    ]
  },
  "234356": {
    "personal": { "name": "Vikram Patel", "dob": "30/03/1980", "gender": "Male" },
    "graphImage": "graphs/riskon_static_graph_applicant_234356.0.png",
    "geminiSummary": "Vikram Patel is assessed as a 'Medium' risk, with the model assigning a 67.31% probability of default. The historical data shows a pattern of inconsistency; while some payments are made on time, there are notable instances of payments being 1 to 5 days late. This recurring, albeit minor, delinquency suggests a potential for financial strain or suboptimal payment habits. While not in the high-risk category, the applicant's profile indicates that careful monitoring and stricter terms may be warranted.",
    "history": [
        {"Cohort":2.0,"Applicant_ID":234356.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-10,"Installment_Due":10264.05,"Amount_Paid":10264.05,"Payment_Status":"5 days late","Predicted_Prob_Default":0.673111},
        {"Cohort":2.0,"Applicant_ID":234356.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-9,"Installment_Due":10264.05,"Amount_Paid":10264.05,"Payment_Status":"1 day late","Predicted_Prob_Default":0.673111},
        {"Cohort":2.0,"Applicant_ID":234356.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-8,"Installment_Due":10264.05,"Amount_Paid":10264.05,"Payment_Status":"On Time","Predicted_Prob_Default":0.673111}
    ]
  },
  "240211": {
    "personal": { "name": "Sanya Iyer", "dob": "12/07/1998", "gender": "Female" },
    "graphImage": "graphs/riskon_static_graph_applicant_240211.0.png",
    "geminiSummary": "Sanya Iyer is classified as a 'Medium' risk applicant, with a default probability of 55.48%. The applicant's payment history demonstrates significant volatility. While there is a record of a payment made 12 days early, this is contrasted by a separate instance of a payment made 22 days late. This wide variance in payment behavior suggests an unstable or unpredictable financial situation, making the applicant a moderate risk who would require close observation.",
    "history": [
        {"Cohort":2.0,"Applicant_ID":240211.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-5,"Installment_Due":22203.945,"Amount_Paid":22203.945,"Payment_Status":"12 days early","Predicted_Prob_Default":0.554821},
        {"Cohort":2.0,"Applicant_ID":240211.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-4,"Installment_Due":22203.945,"Amount_Paid":22203.945,"Payment_Status":"22 days late","Predicted_Prob_Default":0.554821}
    ]
  },
  "248480": {
    "personal": { "name": "Arjun Kumar", "dob": "05/09/1975", "gender": "Male" },
    "graphImage": "graphs/riskon_static_graph_applicant_248480.0.png",
    "geminiSummary": "Arjun Kumar is firmly in the 'Low' risk category, with the model calculating a very low 1.29% probability of default. His credit history is characterized by consistent and timely payments. All recorded installments have been paid 'On Time', indicating a high level of financial responsibility and stability. This applicant's profile suggests he is a reliable and safe candidate for lending, with a strong likelihood of honoring future credit obligations.",
    "history": [
        {"Cohort":1.0,"Applicant_ID":248480.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-10,"Installment_Due":16997.085,"Amount_Paid":16997.085,"Payment_Status":"On Time","Predicted_Prob_Default":0.012911},
        {"Cohort":1.0,"Applicant_ID":248480.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-9,"Installment_Due":16997.085,"Amount_Paid":16997.085,"Payment_Status":"On Time","Predicted_Prob_Default":0.012911}
    ]
  },
  "337049": {
    "personal": { "name": "Neha Gupta", "dob": "28/06/1990", "gender": "Female" },
    "graphImage": "graphs/riskon_static_graph_applicant_337049.0.png",
    "geminiSummary": "Dr. Neha Gupta is assessed as a 'Low' risk applicant, with a negligible predicted default probability of 1.35%. Her financial conduct appears highly dependable, as evidenced by a consistent record of 'On Time' payments for all installments. This pattern of punctuality indicates strong financial literacy and stability. The model's assessment suggests that this applicant is very creditworthy and poses minimal risk to the lender.",
    "history": [
        {"Cohort":1.0,"Applicant_ID":337049.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-12,"Installment_Due":9832.545,"Amount_Paid":9832.545,"Payment_Status":"On Time","Predicted_Prob_Default":0.013533},
        {"Cohort":1.0,"Applicant_ID":337049.0,"Risk_Category":"Low","Data_Type":"Historical","Month_Offset":-11,"Installment_Due":9832.545,"Amount_Paid":9832.545,"Payment_Status":"On Time","Predicted_Prob_Default":0.013533}
    ]
  },
  "350711": {
    "personal": { "name": "Aditya Verma", "dob": "11/01/1983", "gender": "Male" },
    "graphImage": "graphs/riskon_static_graph_applicant_350711.0.png",
    "geminiSummary": "Aditya Verma's profile is categorized as 'Medium' risk, with a default probability of 45.69%. The applicant's payment history is mixed, showing a combination of 'On Time' payments and instances of being up to 7 days late. This inconsistency suggests a moderate level of risk, as it points to potential minor cash flow problems or a lack of consistent payment discipline. While the applicant generally meets their obligations, the presence of delinquencies warrants a cautious approach.",
    "history": [
        {"Cohort":2.0,"Applicant_ID":350711.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-7,"Installment_Due":11074.5,"Amount_Paid":11074.5,"Payment_Status":"On Time","Predicted_Prob_Default":0.456889},
        {"Cohort":2.0,"Applicant_ID":350711.0,"Risk_Category":"Medium","Data_Type":"Historical","Month_Offset":-6,"Installment_Due":11074.5,"Amount_Paid":11074.5,"Payment_Status":"7 days late","Predicted_Prob_Default":0.456889}
    ]
  }
};