> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincept.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Build Credit Scorecard

> Develops a complete credit scorecard from features using WoE binning and logistic regression. Returns scorecard bins, points, and scaling factors for production deployment. [Tier: ENTERPRISE, Credits: 10]



## OpenAPI

````yaml api-specs/ml.json post /quantlib/ml/credit/scorecard
openapi: 3.1.0
info:
  title: FinceptQuantLib API - ML
  description: >-
    Machine Learning and Credit Risk module endpoints for FinceptQuantLib API.
    Pro Tier access required (5 credits per request). Covers credit scoring,
    model validation, regression models, clustering, anomaly detection, feature
    engineering, and preprocessing.
  version: 3.0.0
  contact:
    name: Fincept API Support
    url: https://fincept.in
servers:
  - url: https://api.fincept.in
    description: Fincept API Production Server
security:
  - APIKeyHeader: []
tags:
  - name: quantlib-ml
    description: Machine Learning and Credit Risk Analytics
    x-displayName: ML
paths:
  /quantlib/ml/credit/scorecard:
    post:
      tags:
        - quantlib-ml
      summary: Build Credit Scorecard
      description: >-
        Develops a complete credit scorecard from features using WoE binning and
        logistic regression. Returns scorecard bins, points, and scaling factors
        for production deployment. [Tier: ENTERPRISE, Credits: 10]
      operationId: credit_scorecard
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - X
                - 'y'
              properties:
                X:
                  type: array
                  description: Feature matrix for scorecard development
                  items:
                    type: array
                    items:
                      type: number
                  example:
                    - - 35000
                      - 3
                      - 0.35
                    - - 45000
                      - 5
                      - 0.28
                    - - 55000
                      - 7
                      - 0.2
                'y':
                  type: array
                  description: Binary target (0 = good, 1 = bad)
                  items:
                    type: integer
                    enum:
                      - 0
                      - 1
                  example:
                    - 1
                    - 0
                    - 0
                n_bins:
                  type: integer
                  description: Number of bins per feature
                  default: 10
                  example: 5
      responses:
        '200':
          description: Scorecard model
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                    example: true
                  data:
                    type: object
                    description: Scorecard configuration and parameters
        '401':
          $ref: '#/components/responses/UnauthorizedError'
        '402':
          $ref: '#/components/responses/InsufficientCreditsError'
        '422':
          $ref: '#/components/responses/ValidationError'
components:
  responses:
    UnauthorizedError:
      description: Authentication information is missing or invalid
      content:
        application/json:
          schema:
            type: object
            properties:
              detail:
                type: string
                example: Invalid API key
    InsufficientCreditsError:
      description: Insufficient credits for this operation
      content:
        application/json:
          schema:
            type: object
            properties:
              detail:
                type: string
                example: Insufficient credits. This endpoint requires 5 credits.
    ValidationError:
      description: Request validation error
      content:
        application/json:
          schema:
            type: object
            properties:
              detail:
                type: array
                items:
                  type: object
                  properties:
                    loc:
                      type: array
                      items:
                        type: string
                    msg:
                      type: string
                    type:
                      type: string
  securitySchemes:
    APIKeyHeader:
      type: apiKey
      in: header
      name: X-API-Key
      description: >-
        API key for authentication. Get your key at
        https://api.fincept.in/auth/register

````