Credora

CI License: MIT Exasol Personal 2026.1 ExaThon India 2026

Credora decides which corporate customers of Sapphire Bank get a pre-approved loan offer, and it does the work inside Exasol Personal.

It is live and working. Every link below is the real deployment.

Site Link
Live app https://credora.loan
Docs https://docs.credora.loan
Presentation https://ppt.credora.loan
Demo video https://video.credora.loan
3rd party data, fetched on demand via API (mock CIBIL, GSTN and Account Aggregator APIs) https://credora.link
Source code https://github.com/anamika-iit-kgp/credora

Sign in with one click on the login page, or use a demo login. All data is synthetic, so the passwords are public.

  • admin / Demo@123 is the bank manager, who approves models and policy.
  • datasci / Demo@123 is the data scientist, who runs the analysis and publishes it.
  • loanops / Demo@123 is loan operations, who assigns companies to relationship managers.
  • rm / Demo@123 is Subhashree Mohanty (RM001), a relationship manager who sees only her own companies.

Big picture of Credora. Three bank databases and 3rd party data via API meet in Exasol, and four roles and Ask Credora read the result

What it does#

Sapphire Bank has 1,000 corporate current-account customers and wants to approach the best of them with a pre-approved offer. Each offer has an amount, a rate and a tenure, plus a negotiation limit the relationship manager can move within. The data for that sits in the bank's Oracle, MySQL and PostgreSQL databases (including each company's credit need on file) and in 3rd party data via API from CIBIL, GSTN and the Account Aggregator. One call, EXECUTE SCRIPT CREDORA.RUN_ANALYSIS('<run>'), reads all six sources in place, scores risk with models trained in Exasol and prices and ranks the companies analysed in about 18 seconds.

The data scientist runs the analysis and publishes it. Loan operations assigns the companies to relationship managers, and each manager negotiates inside the limit and logs the loan status. The admin approves model activations and policy changes. In every role, Ask Credora answers plain-English questions with Claude through the official Exasol MCP server.

Analysis flow. RUN_ANALYSIS reads the bank databases and 3rd party data, builds features, scores, flags anomalies, prices, ranks and hands over

Exasol features used#

Credora started on the Exasol Personal Local Starter Kit (exakit 0.2.3, with the Exasol MCP server 2.3.0, exapump 0.13.1 and pyexasol). It was then deployed on AWS with the Exasol Personal launcher 2.3.0, running Exasol 2026.1.0 on an r6i.xlarge.

Exasol feature Where Credora uses it
Virtual schemas VS_CBS (Oracle adapter 6.0, Java), VS_CIF and VS_LOS (adbc-vs-rs 0.7, Rust) read the three bank databases live, with pushdown. Nothing is copied.
EXPLAIN VIRTUAL The Sources screen shows the SQL Exasol sends to each database. The aggregation over 850,000 transactions runs inside Oracle.
Script language containers Built-in Python 3 and Java, plus a custom Rust container (0.23.1) uploaded to BucketFS
BucketFS The Rust container, the adapter library, JDBC drivers and every trained model
Python UDFs (SET and SCALAR) Fetch CIBIL, GST and Account Aggregator data in parallel, train and score the risk models, and write credit memos with Claude
CONNECTION objects API endpoints and keys, the BucketFS location and the AI provider, so no secret is in code
In-database ML A gradient-boosting champion, a logistic-regression challenger scored in the shadow and an Isolation Forest anomaly flag
Lua scripting RUN_ANALYSIS runs 13 logged steps as one call. TRAIN_MODEL and PURGE_EXPIRED (with SHA-256 proof) are Lua too.
Window functions and analytic SQL Turn core-banking transactions and GST history into 13 credit features
PREFERRING (skyline) Ranks the Pareto-best companies into the top 50
Semantic views (exasol-semantic-views 0.5.1) CREDORA_SEM.PORTFOLIO holds 16 certified metrics shared by the app and the AI
SQL preprocessor (preprocessor-framework 0.9.1) Routes semantic SQL per role and skips a failing module
Preprocessor library (preprocessor-library 0.3.1) cast_shorthand and trailing_comma for the roles that send AI-written SQL
Users, roles and GRANTs One Exasol user per app role, so the database decides what each screen and the AI can read
Row-level security views The relationship manager's views filter on CURRENT_USER
SQL audit (EXA_DBA_AUDIT_SQL, EXA_DBA_AUDIT_SESSIONS) Every statement is tagged credora:<app user>:<feature> and shown on the admin's Exasol audit screen
COMMENT ON Every Credora schema, table, column and script carries its meaning, which the MCP server hands to the AI
Consumer groups and QUERY_TIMEOUT CREDORA_BATCH runs the analysis first. Ask Credora sessions get 60 s and 2 GiB in CREDORA_AI, so the AI cannot starve the analysis.
Exasol Scheduler (exasol-scheduler 0.4.1) Runs PURGE_EXPIRED every 15 minutes and refreshes the virtual schemas nightly, logged in SCHED.SCHED_HISTORY
System tables Audit, connections, columns, virtual schemas, scripts, grants and sessions feed the admin screens
Exasol MCP server (exasol-mcp-server 2.3.0) Ask Credora queries Exasol as the signed-in role's own user, with writes switched off
Exasol console and control room (Explain mode) The console lists each statement a screen sent to Exasol, with the user it ran as. The control room maps the database as that role sees it.
Exasol Personal launcher Installs Exasol on EC2 with one command, its ports open to admin IPs only

Each feature, with its code and the reason for it, is in docs/WHY_EXASOL.md.

Roles, enforced by Exasol#

Every app role reads Exasol as its own database user. The backend runs each screen's queries as that user, and Ask Credora starts the MCP server logged in as the same user. When Exasol refuses a query, the screen shows 403 Exasol denied access for your role. Analysis, training and the purge run as the service user CREDORA_SVC.

Login Exasol user and role What the app shows What Ask Credora can read
admin CREDORA_ADMIN / R_ADMIN Data generation, sources, approvals, audit and purge, Loan status Results, the semantic view, the three bank databases and raw 3rd party data
datasci CREDORA_DATASCI / R_DATASCI Runs and publishes the analysis, trains models, what-if and policy proposals Same as admin
loanops CREDORA_LOANOPS / R_LOANOPS Published runs, assigning companies to managers, sanctioning escalations Same as admin, without raw 3rd party data (CREDORA_STAGE)
rm CREDORA_RM / R_RM Only her assigned companies, at full detail, with negotiation and loan status Only the row-filtered V_RM_* and V_LATEST_* views

The V_RM_* views join CREDORA.RM_ASSIGNMENT on EXA_USER = CURRENT_USER, and R_RM has no grant on the result tables. Signed in to Exasol as CREDORA_RM, V_RM_DECISIONS returns her 25 companies and SELECT * FROM CREDORA.DECISIONS fails with "insufficient privileges". A prompt can't widen that, because the limit lives in the database.

Roles and AI access. Four roles as rings of data, and one Ask Credora question going into Exasol as the role's own user

Verify it yourself#

Every claim can be checked on https://credora.loan and in the code.

Claim Where to click Code
The whole analysis is one Exasol call datasci, Analysis runs, Run analysis, then any company report (13 steps with their SQL, Lua or Python and their time) 06_run_analysis.sql
Bank data is read in place admin, Sources 03_virtual_schemas.sql
Oracle does the heavy aggregation admin, Sources, Pushdown proof (EXPLAIN VIRTUAL) exasol_admin.py
Exasol UDFs fetch the 3rd party data via API https://credora.link shows the relays the UDFs call 04_api_udfs.sql
Models are trained and scored in Exasol datasci, Risk models, Train champion and challenger 05_ml_udfs.sql
Exasol filters the relationship manager's rows rm, My companies lists 25 companies. Any other company's report returns 403. 13_rm_row_security.sql
Ask Credora has the same grants Ask the same cross-database question as admin, then as rm assistant.py
Every hand-off is maker-checker Send a policy proposal as datasci, approve it as admin under Approvals policy.py
The database records who ran what admin, Exasol audit exa.py client_tag()
3rd party data is purged on schedule, with proof admin, Exasol audit (scheduler runs), then Audit and purge 08_purge.sql, 17_scheduler.sql
The AI can't starve the analysis Ask Credora sessions appear in Exasol audit as credora:<role>:ask-credora 16_resources.sql
Every click shows what Exasol does Explain mode, Exasol console and Exasol control room in the top bar console.py, explain/
Everything rebuilds from this repo One command in any AWS account credora.py

Deploy it yourself#

Everything runs from your own machine against your own AWS account. Nothing in the code is tied to an account or a domain.

  1. Install the exasol launcher from exasol/exasol-personal and check it with exasol version.
  2. Install the AWS CLI v2, Docker, Python 3.12 with uv, Node.js 20+ and Git.
  3. Log in to AWS, and have a Route 53 hosted zone in that account. The default sizes need 6 vCPUs of on-demand EC2. bash aws configure --profile mysite aws sts get-caller-identity --profile mysite
  4. Clone the repo and install the deploy tool. bash git clone https://github.com/anamika-iit-kgp/credora.git cd credora make setup # or: uv venv deploy/.venv && uv pip install -p deploy/.venv -r deploy/requirements.txt
  5. Copy .env.example to .env.mysite and fill it in. The name after .env. is the deployment name.
Variable Set it to Required
AWS_PROFILE The profile from step 3 yes
AWS_REGION Your region, for example ap-south-1 yes
DOMAIN Your Route 53 hosted zone, for example mybank.example yes
EXTERNAL_DOMAIN A second hosted zone for the 3rd party data APIs no
ADMIN_CIDR Your IP as x.x.x.x/32 (blank detects it) no
APP_*_PASSWORD Demo login passwords (blank means Demo@123) no
AI_PROVIDER, ANTHROPIC_API_KEY, AI_MODEL anthropic with your key, or bedrock (blank turns the AI off) no
  1. Deploy, then write every URL, login and password to deployments/mysite/ACCESS.md. bash python deploy/credora.py deploy --env mysite python deploy/credora.py access --env mysite

deploy is idempotent. It installs Exasol through the launcher, creates the RDS databases, app host and DNS with OpenTofu, starts the containers, generates 1,000 companies and sets up every Exasol object. Database and API passwords are generated into AWS Secrets Manager. Other commands (status, ship, exasol, generate, destroy) and moving a deployment to another machine are in docs/PORTING.md.

Diagrams#

Diagram Image Interactive
Big picture PNG HTML
AWS deployment PNG HTML
Inside Exasol PNG HTML
Analysis flow PNG HTML
Roles and AI access PNG HTML

The full design, with failure modes and trade-offs, is in docs/architecture.html.

Repository layout#

bash
exasol/     SQL, Python UDFs, Lua scripts, preprocessor modules and the semantic model
backend/    FastAPI with roles, jobs, Ask Credora and the Exasol audit
frontend/   React and TypeScript, with Explain mode
mocks/      mock CIBIL, GSTN and Account Aggregator APIs and the data generator
deploy/     the one-command deploy tool, with infra/ (OpenTofu) beside it
docs/       architecture, diagrams, glossary, data model, APIs, porting

Documentation#

Document Covers
docs.credora.loan The live docs site
docs/architecture.html The full design, roles, decision logic, deployment and failure modes
docs/WHY_EXASOL.md Every Exasol feature used, where and why
docs/GLOSSARY.md Every Exasol, banking, AI and AWS term in plain words
docs/DATA_MODEL.md Bank schemas, mock API data and feature definitions
docs/API.md The mock API contracts and the web app's API
docs/PORTING.md Deploying to another AWS account or domain

Built with Exasol open source, thank you#

Every project below runs in the live deployment or in CI. Thank you to the Exasol team and to everyone who contributes to them.

Project What it does in Credora
exasol-labs/exasol-personal-local-starterkit The starter kit (exakit 0.2.3) Credora began on, with local Exasol, MCP setup, exapump and pyexasol
exasol/exasol-personal Exasol Personal and its launcher, which deploys the database on AWS
exasol/oracle-virtual-schema VS_CBS, core banking in RDS Oracle, read live with pushdown
exasol-labs/adbc-vs-rs VS_CIF and VS_LOS, the MySQL and PostgreSQL databases, read live through ADBC
exasol-labs/language-container-rs The Rust script language container that runs the adbc-vs-rs adapter
exasol/script-languages-release The Python 3 and Java containers behind the API, ML and AI UDFs
exasol-labs/exasol-semantic-views CREDORA_SEM.PORTFOLIO, the certified metrics for the app and the AI
exasol-labs/preprocessor-framework Owns the SQL preprocessor slot and routes semantic SQL per role
exasol-labs/preprocessor-library cast_shorthand and trailing_comma (0.3.1) for AI-written SQL
exasol-labs/exasol-scheduler Release 0.4.1 runs the purge every 15 minutes and the nightly virtual schema refresh
exasol/udf-mock-python Tests the deployed ANOMALY_FLAG and PD_SCORE UDF code in CI
exasol/mcp-server exasol-mcp-server 2.3.0, through which Ask Credora queries Exasol
exasol/pyexasol The Python driver for the backend and the deploy tool
exasol-labs/exapump The starter kit's SQL and bulk-load CLI
exasol/virtual-schemas The virtual schema framework the Oracle adapter builds on

About, contributing and contact#

Credora is an ExaThon India 2026 project. It is a try-out of the Exasol Personal Local Starter Kit and of Exasol Personal, deployed on AWS. The live deployment runs in my own AWS account, on the domains credora.loan and credora.link, which I registered for this project.

Contributions are welcome. Fork the repo and open a pull request, or open an issue first for a larger change. To build on Credora, adapt it for your bank, or buy or license it, raise an issue and I will get in touch.

Project by Anamika, Product Manager @ Equitas Small Finance Bank. Sapphire Bank is fictional, and all data is synthetic.

License#

MIT. See LICENSE.