> ## 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.

# Exposure at Default (EAD) Model

> Specialized regression for modeling Exposure at Default in credit risk. Estimates the expected exposure amount when a borrower defaults, critical for Basel capital calculations and expected loss estimation. [Tier: ENTERPRISE, Credits: 10]



## OpenAPI

````yaml api-specs/ml.json post /quantlib/ml/regression/ead
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/regression/ead:
    post:
      tags:
        - quantlib-ml
      summary: Exposure at Default (EAD) Model
      description: >-
        Specialized regression for modeling Exposure at Default in credit risk.
        Estimates the expected exposure amount when a borrower defaults,
        critical for Basel capital calculations and expected loss estimation.
        [Tier: ENTERPRISE, Credits: 10]
      operationId: ead_model
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - X
                - 'y'
              properties:
                X:
                  type: array
                  description: Features (credit limit, utilization rate, account age, etc.)
                  items:
                    type: array
                    items:
                      type: number
                  example:
                    - - 50000
                      - 0.65
                      - 36
                    - - 75000
                      - 0.42
                      - 48
                    - - 100000
                      - 0.78
                      - 24
                'y':
                  type: array
                  description: Exposure amounts at default
                  items:
                    type: number
                  example:
                    - 32500
                    - 31500
                    - 78000
                predict_X:
                  type: array
                  description: Optional features for EAD prediction
                  items:
                    type: array
                    items:
                      type: number
                  example:
                    - - 60000
                      - 0.55
                      - 30
      responses:
        '200':
          description: EAD model results
          content:
            application/json:
              schema:
                type: object
                properties:
                  success:
                    type: boolean
                    example: true
                  data:
                    type: object
                    properties:
                      coefficients:
                        type: array
                        items:
                          type: number
                        example:
                          - 0.45
                          - 15000
                          - -120
                      r_squared:
                        type: number
                        example: 0.783
                      predictions:
                        type: array
                        items:
                          type: number
                        example:
                          - 33000
        '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

````