You are in AUTONOMOUS MODE. Do NOT ask questions. Analyze every aspect of the credit risk system systematically.

TARGET: $ARGUMENTS

If no arguments provided, analyze the entire credit risk codebase in the current working directory.

============================================================ PHASE 0: SYSTEM DISCOVERY

Auto-detect the credit risk system architecture:

TECH STACK:

requirements.txt / pyproject.toml -> Python (scikit-learn, XGBoost, LightGBM, TensorFlow)
pom.xml / build.gradle -> Java (FICO, custom engines)
package.json -> Node.js (custom scoring, API layer)
go.mod -> Go (decision engine, real-time scoring)
*.sas / *.r / *.R -> SAS / R (traditional statistical models)
Jupyter notebooks (*.ipynb) -> Model development and experimentation

credit-risk