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github/awesome-copilot/skills/datanalysis-credit-risk/SKILL.md

datanalysis-credit-risk

Credit risk data cleaning and variable screening pipeline for pre-loan modeling. Use when working with raw credit data that needs quality assessment, missing value analysis, or variable selection before modeling. it covers data loading and formatting, abnormal period filtering, missing rate calculation, high-missing variable removal,low-IV variable filtering, high-PSI variable removal, Null Importance denoising, high-correlation variable removal, and cleaning report generation. Applicable scenar

Source repository stars
37,126
Declared platforms
0
Static risk flags
1
Last source update
2026-07-28
Source checked
2026-07-28
DecisionCompatibilityInstallWorkflowPermissionsEvidenceSource

Decision brief

What it does—and where it fits

Credit risk data cleaning and variable screening pipeline for pre-loan modeling. it covers data loading and formatting, abnormal period filtering, missing rate calculation, high-missing variable removal,low-IV variable filtering, high-PSI variable removal, Null Importance denoising, high-correlation variable removal, and cleaning report generation.

Best for

  • Use when working with raw credit data that needs quality assessment, missing value analysis, or variable selection before modeling.

Not for

  • Tasks that require unconfirmed production actions or broad system permissions.
  • Environments where the pinned source and install steps cannot be inspected.

Compatibility matrix

Platform support, with evidence labels

PlatformStatusEvidenceWhat to check
CodexNot declaredNo explicit evidencePortability before use
Claude CodeNot declaredNo explicit evidencePortability before use
CursorNot declaredNo explicit evidencePortability before use
Gemini CLINot declaredNo explicit evidencePortability before use
Open the compatibility checker

Installation

Inspect first. Install second.

The source command is displayed only when detected. A safe inspection prompt is always available so your agent can explain every action before execution.

Source-detected install commandSource
npx skills add https://github.com/github/awesome-copilot --skill "skills/datanalysis-credit-risk"
Safe inspection promptEditorial

Inspect the Agent Skill "datanalysis-credit-risk" from https://github.com/github/awesome-copilot/blob/9933dcad5be5caeb288cebcd370eeeb2fc2f1685/skills/datanalysis-credit-risk/SKILL.md at commit 9933dcad5be5caeb288cebcd370eeeb2fc2f1685. List every install step, command, network request, credential, file read/write, external action, and rollback step. Explain whether it fits my task. Do not install or execute anything until I approve.

Workflow

What the source asks the agent to do

  1. 01

    Quick Start

    Review the “Quick Start” section in the pinned source before continuing.

    Review and apply the “Quick Start” source section.
  2. 02

    Complete Process Description

    The data cleaning pipeline consists of the following 11 steps, each executed independently without deleting the original data:

    Get Data - Load and format raw dataOrganization Sample Analysis - Statistics of sample count and bad sample rate for each organizationSeparate OOS Data - Separate out-of-sample (OOS) samples from modeling samples
  3. 03

    Run the complete data cleaning pipeline

    python ".github/skills/datanalysis-credit-risk/scripts/example.py"

    Get Data - Load and format raw dataOrganization Sample Analysis - Statistics of sample count and bad sample rate for each organizationSeparate OOS Data - Separate out-of-sample (OOS) samples from modeling samples
  4. 04

    Core Functions

    Review the “Core Functions” section in the pinned source before continuing.

    Review and apply the “Core Functions” source section.
  5. 05

    Parameter Description

    DATAPATH: Data file path (best are parquet format)

    DATAPATH: Data file path (best are parquet format)DATECOL: Date column nameYCOL: Label column name

Permission review

Static risk signals and limitations

Runs scripts

medium · line 7

The documentation asks the agent to run terminal commands or scripts.

python ".github/skills/datanalysis-credit-risk/scripts/example.py"

Evidence record

Why each signal appears

EvidenceSourceComputedTestedEditorial
SignalValueEvidence typeMeaning
Quality score71/100ComputedDocumentation, specificity, maintenance, and trust rules
Repository stars37,126SourceRepository attention, not individual Skill quality
Compatibility0 platformsSourceDeclared in the catalog source record
Usage guideautomated source guideEditorialGenerated or reviewed according to the visible evidence level

Pinned source

Provenance and original SKILL.md

Repository
github/awesome-copilot
Skill path
skills/datanalysis-credit-risk/SKILL.md
Commit
9933dcad5be5caeb288cebcd370eeeb2fc2f1685
License
MIT
Collected
2026-07-28
Default branch
main
View the original SKILL.md

Data Cleaning and Variable Screening

Quick Start

# Run the complete data cleaning pipeline
python ".github/skills/datanalysis-credit-risk/scripts/example.py"

Complete Process Description

The data cleaning pipeline consists of the following 11 steps, each executed independently without deleting the original data:

  1. Get Data - Load and format raw data
  2. Organization Sample Analysis - Statistics of sample count and bad sample rate for each organization
  3. Separate OOS Data - Separate out-of-sample (OOS) samples from modeling samples
  4. Filter Abnormal Months - Remove months with insufficient bad sample count or total sample count
  5. Calculate Missing Rate - Calculate overall and organization-level missing rates for each feature
  6. Drop High Missing Rate Features - Remove features with overall missing rate exceeding threshold
  7. Drop Low IV Features - Remove features with overall IV too low or IV too low in too many organizations
  8. Drop High PSI Features - Remove features with unstable PSI
  9. Null Importance Denoising - Remove noise features using label permutation method
  10. Drop High Correlation Features - Remove high correlation features based on original gain
  11. Export Report - Generate Excel report containing details and statistics of all steps

Core Functions

FunctionPurposeModule
get_dataset()Load and format datareferences.func
org_analysis()Organization sample analysisreferences.func
missing_check()Calculate missing ratereferences.func
drop_abnormal_ym()Filter abnormal monthsreferences.analysis
drop_highmiss_features()Drop high missing rate featuresreferences.analysis
drop_lowiv_features()Drop low IV featuresreferences.analysis
drop_highpsi_features()Drop high PSI featuresreferences.analysis
drop_highnoise_features()Null Importance denoisingreferences.analysis
drop_highcorr_features()Drop high correlation featuresreferences.analysis
iv_distribution_by_org()IV distribution statisticsreferences.analysis
psi_distribution_by_org()PSI distribution statisticsreferences.analysis
value_ratio_distribution_by_org()Value ratio distribution statisticsreferences.analysis
export_cleaning_report()Export cleaning reportreferences.analysis

Parameter Description

Data Loading Parameters

  • DATA_PATH: Data file path (best are parquet format)
  • DATE_COL: Date column name
  • Y_COL: Label column name
  • ORG_COL: Organization column name
  • KEY_COLS: Primary key column name list

OOS Organization Configuration

  • OOS_ORGS: Out-of-sample organization list

Abnormal Month Filtering Parameters

  • min_ym_bad_sample: Minimum bad sample count per month (default 10)
  • min_ym_sample: Minimum total sample count per month (default 500)

Missing Rate Parameters

  • missing_ratio: Overall missing rate threshold (default 0.6)

IV Parameters

  • overall_iv_threshold: Overall IV threshold (default 0.1)
  • org_iv_threshold: Single organization IV threshold (default 0.1)
  • max_org_threshold: Maximum tolerated low IV organization count (default 2)

PSI Parameters

  • psi_threshold: PSI threshold (default 0.1)
  • max_months_ratio: Maximum unstable month ratio (default 1/3)
  • max_orgs: Maximum unstable organization count (default 6)

Null Importance Parameters

  • n_estimators: Number of trees (default 100)
  • max_depth: Maximum tree depth (default 5)
  • gain_threshold: Gain difference threshold (default 50)

High Correlation Parameters

  • max_corr: Correlation threshold (default 0.9)
  • top_n_keep: Keep top N features by original gain ranking (default 20)

Output Report

The generated Excel report contains the following sheets:

  1. 汇总 - Summary information of all steps, including operation results and conditions
  2. 机构样本统计 - Sample count and bad sample rate for each organization
  3. 分离OOS数据 - OOS sample and modeling sample counts
  4. Step4-异常月份处理 - Abnormal months that were removed
  5. 缺失率明细 - Overall and organization-level missing rates for each feature
  6. Step5-有值率分布统计 - Distribution of features in different value ratio ranges
  7. Step6-高缺失率处理 - High missing rate features that were removed
  8. Step7-IV明细 - IV values of each feature in each organization and overall
  9. Step7-IV处理 - Features that do not meet IV conditions and low IV organizations
  10. Step7-IV分布统计 - Distribution of features in different IV ranges
  11. Step8-PSI明细 - PSI values of each feature in each organization each month
  12. Step8-PSI处理 - Features that do not meet PSI conditions and unstable organizations
  13. Step8-PSI分布统计 - Distribution of features in different PSI ranges
  14. Step9-null importance处理 - Noise features that were removed
  15. Step10-高相关性剔除 - High correlation features that were removed

Features

  • Interactive Input: Parameters can be input before each step execution, with default values supported
  • Independent Execution: Each step is executed independently without deleting original data, facilitating comparative analysis
  • Complete Report: Generate complete Excel report containing details, statistics, and distributions
  • Multi-process Support: IV and PSI calculations support multi-process acceleration
  • Organization-level Analysis: Support organization-level statistics and modeling/OOS distinction

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