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    <title>Forem: Wu DAO</title>
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      <title>Weekend Project: I Built a Full MLOps Pipeline for a Credit Scoring Model (And You Can Too)</title>
      <dc:creator>Wu DAO</dc:creator>
      <pubDate>Sun, 01 Mar 2026 11:35:31 +0000</pubDate>
      <link>https://forem.com/wu-dao/weekend-project-i-built-a-full-mlops-pipeline-for-a-credit-scoring-model-and-you-can-too-37lk</link>
      <guid>https://forem.com/wu-dao/weekend-project-i-built-a-full-mlops-pipeline-for-a-credit-scoring-model-and-you-can-too-37lk</guid>
      <description>&lt;p&gt;&lt;em&gt;A hands-on, beginner-friendly guide to deploying, monitoring, and optimizing a Machine Learning model in production — from API creation to data drift detection.&lt;/em&gt;&lt;/p&gt;




&lt;p&gt;Last Saturday morning, I was scrolling through freelance gig postings on Fiverr when I stumbled upon something that caught my attention. A small fintech startup was looking for someone to &lt;em&gt;"take our trained credit scoring model and make it production-ready — API, Docker, CI/CD, the whole shebang."&lt;/em&gt; The budget was decent, the deadline was two weeks, and I thought: "How hard can it be?"&lt;/p&gt;

&lt;p&gt;Spoiler: it was more involved than I expected. But by Sunday evening, I had a working end-to-end MLOps pipeline running, and I learned an incredible amount in the process. This article is the tutorial I wish I had before starting.&lt;/p&gt;

&lt;p&gt;Whether you're a data science student, a junior ML engineer, or someone curious about what happens &lt;em&gt;after&lt;/em&gt; a model is trained, this guide will walk you through every step — from serving predictions through an API to catching silent model failures in production.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;What we'll build together:&lt;/strong&gt;&lt;/p&gt;

&lt;ul&gt;
&lt;li&gt;A &lt;strong&gt;prediction API&lt;/strong&gt; using FastAPI that serves a credit scoring model&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Automated tests&lt;/strong&gt; to make sure our API doesn't break&lt;/li&gt;
&lt;li&gt;A &lt;strong&gt;Docker container&lt;/strong&gt; to package everything for deployment&lt;/li&gt;
&lt;li&gt;A &lt;strong&gt;CI/CD pipeline&lt;/strong&gt; with GitHub Actions to automate testing and deployment&lt;/li&gt;
&lt;li&gt;A &lt;strong&gt;data drift analysis&lt;/strong&gt; to monitor model health over time&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Performance optimizations&lt;/strong&gt; to speed up inference&lt;/li&gt;
&lt;/ul&gt;

&lt;p&gt;Let's dive in.&lt;/p&gt;




&lt;h2&gt;
  
  
  Table of Contents
&lt;/h2&gt;

&lt;ol&gt;
&lt;li&gt;The Big Picture: What Is MLOps?&lt;/li&gt;
&lt;li&gt;Setting Up the Project&lt;/li&gt;
&lt;li&gt;Training a Simple Credit Scoring Model&lt;/li&gt;
&lt;li&gt;Creating a Prediction API with FastAPI&lt;/li&gt;
&lt;li&gt;Writing Automated Tests&lt;/li&gt;
&lt;li&gt;Containerizing with Docker&lt;/li&gt;
&lt;li&gt;Building a CI/CD Pipeline&lt;/li&gt;
&lt;li&gt;Logging Production Data&lt;/li&gt;
&lt;li&gt;Data Drift Detection&lt;/li&gt;
&lt;li&gt;Performance Optimization&lt;/li&gt;
&lt;li&gt;The Final Architecture&lt;/li&gt;
&lt;li&gt;Key Takeaways&lt;/li&gt;
&lt;/ol&gt;




&lt;h2&gt;
  
  
  1. The Big Picture: What Is MLOps?
&lt;/h2&gt;

&lt;p&gt;Before we write a single line of code, let's understand the landscape.&lt;/p&gt;

&lt;h3&gt;
  
  
  The "Last Mile" Problem
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fnwywuri56h2szyh4uvu5.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fnwywuri56h2szyh4uvu5.png" alt=" " width="800" height="450"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;Here's a reality check that most online courses don't tell you: &lt;strong&gt;training a model is only about 20% of the work in a real ML project.&lt;/strong&gt; The remaining 80% is everything that happens around it — data pipelines, deployment, monitoring, maintenance.&lt;/p&gt;

&lt;p&gt;This is what &lt;strong&gt;MLOps&lt;/strong&gt; (Machine Learning Operations) is about. Think of it as DevOps, but specifically designed for the unique challenges of machine learning systems.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fqbsh5thcqrszk96su5r3.jpg" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fqbsh5thcqrszk96su5r3.jpg" alt="MLOps Lifecycle" width="800" height="599"&gt;&lt;/a&gt;&lt;br&gt;
&lt;em&gt;The MLOps lifecycle — training is just one piece of a much larger puzzle. (&lt;a href="https://ml-ops.org" rel="noopener noreferrer"&gt;source: ml-ops.org&lt;/a&gt;)&lt;/em&gt;&lt;/p&gt;
&lt;h3&gt;
  
  
  What We'll Cover
&lt;/h3&gt;

&lt;div class="table-wrapper-paragraph"&gt;&lt;table&gt;
&lt;thead&gt;
&lt;tr&gt;
&lt;th&gt;Pillar&lt;/th&gt;
&lt;th&gt;What It Means&lt;/th&gt;
&lt;th&gt;Tool We'll Use&lt;/th&gt;
&lt;/tr&gt;
&lt;/thead&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Model Serving&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Making predictions available via an API&lt;/td&gt;
&lt;td&gt;FastAPI&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Containerization&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Packaging code + dependencies together&lt;/td&gt;
&lt;td&gt;Docker&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;CI/CD&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Automating tests and deployment&lt;/td&gt;
&lt;td&gt;GitHub Actions&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Monitoring&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Watching model behavior in production&lt;/td&gt;
&lt;td&gt;Evidently AI&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Optimization&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Making inference faster&lt;/td&gt;
&lt;td&gt;cProfile, ONNX&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Version Control&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Tracking every change&lt;/td&gt;
&lt;td&gt;Git + GitHub&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;&lt;/div&gt;

&lt;p&gt;Each pillar solves a real problem. Without containerization, your code works on your machine but breaks on the server. Without CI/CD, every deployment is a manual, error-prone process. Without monitoring, your model silently degrades for months.&lt;/p&gt;

&lt;p&gt;Let's start building.&lt;/p&gt;


&lt;h2&gt;
  
  
  2. Setting Up the Project
&lt;/h2&gt;

&lt;p&gt;Good MLOps starts with good organization. Here's the structure we'll use:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight plaintext"&gt;&lt;code&gt;credit-scoring-mlops/
│
├── app/
│   ├── __init__.py
│   ├── main.py              # FastAPI application
│   ├── model_loader.py      # Model loading logic
│   └── schemas.py           # Input/output validation
│
├── model/
│   └── credit_model.pkl     # Trained model
│
├── tests/
│   ├── __init__.py
│   ├── test_api.py          # API tests
│   └── test_model.py        # Model tests
│
├── notebooks/
│   └── data_drift_analysis.ipynb
│
├── monitoring/
│   └── logger.py            # Logging setup
│
├── .github/
│   └── workflows/
│       └── ci-cd.yml        # CI/CD pipeline
│
├── Dockerfile
├── requirements.txt
├── .gitignore
└── README.md
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Why this structure?&lt;/strong&gt; When someone new joins the project (or when future-you comes back in 6 months), they immediately understand where everything lives. &lt;code&gt;app/&lt;/code&gt; = API code. &lt;code&gt;tests/&lt;/code&gt; = tests. &lt;code&gt;model/&lt;/code&gt; = model files. Simple.&lt;/p&gt;

&lt;h3&gt;
  
  
  Step by step — initialize the repo
&lt;/h3&gt;

&lt;p&gt;First, create the folder structure:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;&lt;span class="nb"&gt;mkdir &lt;/span&gt;credit-scoring-mlops &lt;span class="o"&gt;&amp;amp;&amp;amp;&lt;/span&gt; &lt;span class="nb"&gt;cd &lt;/span&gt;credit-scoring-mlops
&lt;span class="nb"&gt;mkdir&lt;/span&gt; &lt;span class="nt"&gt;-p&lt;/span&gt; app model tests notebooks monitoring .github/workflows
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Then, initialize Git:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git init
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Now let's create the &lt;code&gt;.gitignore&lt;/code&gt;. This file tells Git which files to &lt;strong&gt;NOT&lt;/strong&gt; track. We don't want to accidentally push passwords, large data files, or Python cache files:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;&lt;span class="nb"&gt;cat&lt;/span&gt; &lt;span class="o"&gt;&amp;gt;&lt;/span&gt; .gitignore &lt;span class="o"&gt;&amp;lt;&amp;lt;&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="no"&gt;EOF&lt;/span&gt;&lt;span class="sh"&gt;'
# Python cache files
__pycache__/
*.py[cod]

# Virtual environments
.venv/
venv/

# Data files (too large for Git)
*.csv
*.parquet
data/

# Environment secrets (NEVER commit these)
.env
*.secret

# IDE files
.vscode/
.idea/

# OS files
.DS_Store
Thumbs.db

# Log files
*.log
logs/
&lt;/span&gt;&lt;span class="no"&gt;EOF
&lt;/span&gt;&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Finally, make the first commit:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add .gitignore
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"Initial commit: project structure and .gitignore"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;blockquote&gt;
&lt;p&gt;&lt;strong&gt;Why does this matter?&lt;/strong&gt; Every commit is a snapshot. If something breaks later, you can always go back to a working version. Commit messages should describe &lt;em&gt;what&lt;/em&gt; changed — this creates a readable project history.&lt;/p&gt;
&lt;/blockquote&gt;




&lt;h2&gt;
  
  
  3. Training a Simple Credit Scoring Model
&lt;/h2&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fvy53v02hevcfjsnsnw83.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fvy53v02hevcfjsnsnw83.png" alt=" " width="800" height="396"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;We need a trained model to deploy. In a real scenario, this would come from an earlier modeling phase (tracked with a tool like &lt;a href="https://mlflow.org/" rel="noopener noreferrer"&gt;MLflow&lt;/a&gt;). We'll build a quick one here so the tutorial is self-contained.&lt;/p&gt;

&lt;h3&gt;
  
  
  3.1 — Generate synthetic data
&lt;/h3&gt;

&lt;p&gt;We'll create fake credit data. Each row represents a loan applicant:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pandas&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;numpy&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;

&lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;seed&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;42&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;  &lt;span class="c1"&gt;# For reproducibility
&lt;/span&gt;&lt;span class="n"&gt;n_samples&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="mi"&gt;5000&lt;/span&gt;

&lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;({&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;21&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;70&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;lognormal&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;mean&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;10.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;sigma&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.8&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;astype&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="nb"&gt;int&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;uniform&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mf"&gt;1.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;20&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;poisson&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;lam&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;1.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;50000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
&lt;span class="p"&gt;})&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's happening here?&lt;/strong&gt; We're generating 5,000 fake applicants with 7 features each. &lt;code&gt;np.random.seed(42)&lt;/code&gt; ensures you get the exact same data every time you run this — reproducibility is key in ML.&lt;/p&gt;

&lt;h3&gt;
  
  
  3.2 — Create the target variable
&lt;/h3&gt;

&lt;p&gt;Now we need to decide who defaults (1) and who doesn't (0). We simulate this based on common-sense rules: more debt, more late payments → higher chance of default.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;default_probability&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="mf"&gt;0.15&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
    &lt;span class="o"&gt;+&lt;/span&gt; &lt;span class="mf"&gt;0.1&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="mf"&gt;0.05&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="o"&gt;+&lt;/span&gt; &lt;span class="mf"&gt;0.05&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="mi"&gt;50000&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="mf"&gt;0.05&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="nf"&gt;max&lt;/span&gt;&lt;span class="p"&gt;())&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# Keep probabilities in a reasonable range
&lt;/span&gt;&lt;span class="n"&gt;default_probability&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;default_probability&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;clip&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mf"&gt;0.05&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mf"&gt;0.95&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# Generate binary outcomes from these probabilities
&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;default&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;binomial&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;default_probability&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Dataset shape: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;shape&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Default rate: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;default&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="o"&gt;%&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  3.3 — Split into training and test sets
&lt;/h3&gt;

&lt;p&gt;We need two sets: one to train on, one to evaluate with. &lt;code&gt;stratify=y&lt;/code&gt; ensures both sets have the same proportion of defaults.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.model_selection&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;train_test_split&lt;/span&gt;

&lt;span class="n"&gt;feature_columns&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;[&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;
&lt;span class="p"&gt;]&lt;/span&gt;

&lt;span class="n"&gt;X&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="n"&gt;feature_columns&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="n"&gt;y&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;default&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;

&lt;span class="n"&gt;X_train&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_train&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_test&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;train_test_split&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="n"&gt;X&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;test_size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;random_state&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;42&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;stratify&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;y&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  3.4 — Build a scikit-learn Pipeline
&lt;/h3&gt;

&lt;p&gt;Here's a key decision: we use a &lt;strong&gt;Pipeline&lt;/strong&gt; that bundles preprocessing (scaling) and the model together into a single object. Why? Because when we deploy, we only need to load &lt;strong&gt;one file&lt;/strong&gt; that handles everything.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F8epeq6xur1ictbzyqhmo.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F8epeq6xur1ictbzyqhmo.png" alt=" " width="800" height="450"&gt;&lt;/a&gt;&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.preprocessing&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;StandardScaler&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.ensemble&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;GradientBoostingClassifier&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.pipeline&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;Pipeline&lt;/span&gt;

&lt;span class="n"&gt;pipeline&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Pipeline&lt;/span&gt;&lt;span class="p"&gt;([&lt;/span&gt;
    &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;scaler&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="nc"&gt;StandardScaler&lt;/span&gt;&lt;span class="p"&gt;()),&lt;/span&gt;           &lt;span class="c1"&gt;# Step 1: Normalize features
&lt;/span&gt;    &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;classifier&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="nc"&gt;GradientBoostingClassifier&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="n"&gt;n_estimators&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;100&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;max_depth&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;learning_rate&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;random_state&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;42&lt;/span&gt;
    &lt;span class="p"&gt;))&lt;/span&gt;                                       &lt;span class="c1"&gt;# Step 2: Classify
&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's a Pipeline?&lt;/strong&gt; Think of it like an assembly line. Data goes in one end → gets scaled → gets classified → prediction comes out. The beauty is that &lt;code&gt;pipeline.predict(new_data)&lt;/code&gt; automatically applies scaling first, then prediction. No extra steps needed.&lt;/p&gt;

&lt;h3&gt;
  
  
  3.5 — Train and evaluate
&lt;/h3&gt;



&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;fit&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;X_train&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_train&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;That single line does all the work. Now let's see how good it is:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.metrics&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;classification_report&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;roc_auc_score&lt;/span&gt;

&lt;span class="n"&gt;y_pred&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;y_proba&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;)[:,&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Classification Report:&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="nf"&gt;classification_report&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;y_test&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_pred&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;ROC AUC Score: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;roc_auc_score&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;y_test&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_proba&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  3.6 — Save the model and reference data
&lt;/h3&gt;

&lt;p&gt;Two things to save:&lt;/p&gt;

&lt;ol&gt;
&lt;li&gt;The &lt;strong&gt;model&lt;/strong&gt; — this is what we'll deploy&lt;/li&gt;
&lt;li&gt;The &lt;strong&gt;reference data&lt;/strong&gt; (training data) — we'll need this later to detect drift
&lt;/li&gt;
&lt;/ol&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;

&lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;makedirs&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;model&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;exist_ok&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;makedirs&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;exist_ok&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# Save the trained pipeline
&lt;/span&gt;&lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;dump&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# Save reference data for drift analysis later
&lt;/span&gt;&lt;span class="n"&gt;X_train&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;to_csv&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data/reference_data.csv&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;index&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;to_csv&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data/test_data.csv&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;index&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model saved to model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Reference data saved to data/&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Commit this progress:&lt;/strong&gt;&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add train_model.py
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add model training script and initial model artifact"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  3.7 — Full training script (copy-paste ready)
&lt;/h3&gt;

&lt;p&gt;Here's everything from section 3 combined into a single runnable file:&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Click to expand: train_model.py (complete)&lt;/strong&gt;&lt;/p&gt;
&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# train_model.py — Complete model training script
&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pandas&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;numpy&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.ensemble&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;GradientBoostingClassifier&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.model_selection&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;train_test_split&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.preprocessing&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;StandardScaler&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.pipeline&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;Pipeline&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;sklearn.metrics&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;classification_report&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;roc_auc_score&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;

&lt;span class="c1"&gt;# --- Generate synthetic data ---
&lt;/span&gt;&lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;seed&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;42&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;n_samples&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="mi"&gt;5000&lt;/span&gt;

&lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;({&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;21&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;70&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;lognormal&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;mean&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;10.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;sigma&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.8&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;astype&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="nb"&gt;int&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;uniform&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mf"&gt;1.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;20&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;poisson&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;lam&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;1.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;50000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_samples&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
&lt;span class="p"&gt;})&lt;/span&gt;

&lt;span class="c1"&gt;# --- Create target ---
&lt;/span&gt;&lt;span class="n"&gt;default_probability&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="mf"&gt;0.15&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
    &lt;span class="o"&gt;+&lt;/span&gt; &lt;span class="mf"&gt;0.1&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="mf"&gt;0.05&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="o"&gt;+&lt;/span&gt; &lt;span class="mf"&gt;0.05&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="mi"&gt;50000&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="mf"&gt;0.05&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="nf"&gt;max&lt;/span&gt;&lt;span class="p"&gt;())&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;default_probability&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;default_probability&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;clip&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mf"&gt;0.05&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mf"&gt;0.95&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;default&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;binomial&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;default_probability&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Dataset shape: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;shape&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Default rate: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;default&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="o"&gt;%&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# --- Split ---
&lt;/span&gt;&lt;span class="n"&gt;feature_columns&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;[&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;
&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="n"&gt;X&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="n"&gt;feature_columns&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="n"&gt;y&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;default&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="n"&gt;X_train&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_train&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_test&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;train_test_split&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="n"&gt;X&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;test_size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;random_state&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;42&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;stratify&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;y&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# --- Train ---
&lt;/span&gt;&lt;span class="n"&gt;pipeline&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Pipeline&lt;/span&gt;&lt;span class="p"&gt;([&lt;/span&gt;
    &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;scaler&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="nc"&gt;StandardScaler&lt;/span&gt;&lt;span class="p"&gt;()),&lt;/span&gt;
    &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;classifier&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="nc"&gt;GradientBoostingClassifier&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="n"&gt;n_estimators&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;100&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;max_depth&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;learning_rate&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;random_state&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;42&lt;/span&gt;
    &lt;span class="p"&gt;))&lt;/span&gt;
&lt;span class="p"&gt;])&lt;/span&gt;
&lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;fit&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;X_train&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_train&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# --- Evaluate ---
&lt;/span&gt;&lt;span class="n"&gt;y_pred&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;y_proba&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;)[:,&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="se"&gt;\n&lt;/span&gt;&lt;span class="s"&gt;Classification Report:&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="nf"&gt;classification_report&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;y_test&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_pred&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;ROC AUC Score: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;roc_auc_score&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;y_test&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;y_proba&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# --- Save ---
&lt;/span&gt;&lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;makedirs&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;model&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;exist_ok&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;makedirs&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;exist_ok&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;dump&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;pipeline&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;X_train&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;to_csv&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data/reference_data.csv&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;index&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;X_test&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;to_csv&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data/test_data.csv&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;index&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="se"&gt;\n&lt;/span&gt;&lt;span class="s"&gt;Model and reference data saved.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h2&gt;
  
  
  4. Creating a Prediction API with FastAPI
&lt;/h2&gt;

&lt;p&gt;Now we get to the real MLOps work. We have a trained model sitting in a &lt;code&gt;.pkl&lt;/code&gt; file. How do we let other people use it?&lt;/p&gt;

&lt;h3&gt;
  
  
  4.1 — What is an API?
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Frkamcmkd6m8pht1ryyzw.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Frkamcmkd6m8pht1ryyzw.png" alt=" " width="621" height="222"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;An &lt;strong&gt;API (Application Programming Interface)&lt;/strong&gt; is like a waiter in a restaurant. You (the client) tell the waiter what you want, the waiter goes to the kitchen (the model), and brings back your food (the prediction).&lt;/p&gt;

&lt;p&gt;Without an API, anyone who wants a prediction needs to install Python, install all dependencies, download the model, and write code to use it. That doesn't scale.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fimages.ctfassets.net%2Fvwq10xzbe6iz%2F5sBH4jAKXU3mj1qGHZrSaS%2Fc1b89cd10816ae8ae22ad63c91ae3982%2Frest-api.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fimages.ctfassets.net%2Fvwq10xzbe6iz%2F5sBH4jAKXU3mj1qGHZrSaS%2Fc1b89cd10816ae8ae22ad63c91ae3982%2Frest-api.png" alt="REST API concept" width="800" height="400"&gt;&lt;/a&gt;&lt;br&gt;
&lt;em&gt;A REST API acts as an intermediary between clients and your model. (&lt;a href="https://smartbear.com" rel="noopener noreferrer"&gt;source: SmartBear&lt;/a&gt;)&lt;/em&gt;&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;FastAPI&lt;/strong&gt; is a modern Python framework for building APIs. It's fast, auto-generates documentation, and uses Python type hints for automatic validation. It's the go-to choice for ML engineers. (&lt;a href="https://fastapi.tiangolo.com/" rel="noopener noreferrer"&gt;FastAPI docs&lt;/a&gt;)&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fuktd5oj9679cct1ax1b9.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fuktd5oj9679cct1ax1b9.png" alt=" " width="800" height="288"&gt;&lt;/a&gt;&lt;/p&gt;
&lt;h3&gt;
  
  
  4.2 — The critical rule: load your model ONCE
&lt;/h3&gt;

&lt;p&gt;This is a mistake I see beginners make constantly. Watch:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# BAD — loads the model on EVERY request
&lt;/span&gt;&lt;span class="nd"&gt;@app.post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;  &lt;span class="c1"&gt;# SLOW! Every. Single. Time.
&lt;/span&gt;    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;If your model file is 50MB and you get 100 requests per second, you're loading 50MB from disk 100 times per second. The API will grind to a halt.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# GOOD — load once, reuse forever
&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="bp"&gt;None&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="k"&gt;global&lt;/span&gt; &lt;span class="n"&gt;model&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;  &lt;span class="c1"&gt;# Loaded ONCE at startup
&lt;/span&gt;
&lt;span class="nd"&gt;@app.post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;  &lt;span class="c1"&gt;# Uses the already-loaded model
&lt;/span&gt;&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Let's build this properly.&lt;/p&gt;

&lt;h3&gt;
  
  
  4.3 — The model loader module
&lt;/h3&gt;

&lt;p&gt;Create &lt;code&gt;app/model_loader.py&lt;/code&gt;. This module has one job: load the model once and provide access to it.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# app/model_loader.py
&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;First, we create a global variable to hold the model. It starts as &lt;code&gt;None&lt;/code&gt; (nothing loaded yet):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;_model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="bp"&gt;None&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Now the function that loads the model from disk:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Load the model ONCE at startup.&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="k"&gt;global&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt;

    &lt;span class="c1"&gt;# Allow the path to be configured via environment variable
&lt;/span&gt;    &lt;span class="n"&gt;model_path&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;environ&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;get&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;MODEL_PATH&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="ow"&gt;not&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;path&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;exists&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
        &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;FileNotFoundError&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
            &lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model not found at &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt;. &lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
            &lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Run train_model.py first.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
        &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;_model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model loaded from &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Why &lt;code&gt;os.environ.get()&lt;/code&gt;?&lt;/strong&gt; This makes the path flexible. On your laptop, the model is at &lt;code&gt;model/credit_model.pkl&lt;/code&gt;. Inside a Docker container, it might be somewhere else. Environment variables let you configure this without changing code.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fi8dtp7cm85vf69mrjo44.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fi8dtp7cm85vf69mrjo44.png" alt=" " width="800" height="383"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;And a function to retrieve the loaded model:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;get_model&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Get the model that was loaded at startup.&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt; &lt;span class="ow"&gt;is&lt;/span&gt; &lt;span class="bp"&gt;None&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;RuntimeError&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model not loaded! Call load_model() first.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  4.4 — Input validation with Pydantic
&lt;/h3&gt;

&lt;p&gt;In a Jupyter notebook, you control the data. In production, you have no idea what's coming in. Someone might send:&lt;/p&gt;

&lt;ul&gt;
&lt;li&gt;Text where a number is expected&lt;/li&gt;
&lt;li&gt;Negative ages&lt;/li&gt;
&lt;li&gt;Missing fields entirely&lt;/li&gt;
&lt;/ul&gt;

&lt;p&gt;&lt;strong&gt;Pydantic&lt;/strong&gt; solves this. You define a schema (a "shape") for your data, and FastAPI automatically rejects anything that doesn't match. Let's build it piece by piece.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F1jb84ustybhvjqeejtbm.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F1jb84ustybhvjqeejtbm.png" alt=" " width="800" height="600"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;Create &lt;code&gt;app/schemas.py&lt;/code&gt;:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;pydantic&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;field_validator&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Now define what a valid credit application looks like:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;class&lt;/span&gt; &lt;span class="nc"&gt;CreditApplication&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;age&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt;        &lt;span class="c1"&gt;# The ... means "this field is required"
&lt;/span&gt;        &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;18&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;      &lt;span class="c1"&gt;# ge = "greater than or equal to"
&lt;/span&gt;        &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;120&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;     &lt;span class="c1"&gt;# le = "less than or equal to"
&lt;/span&gt;        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Applicant&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;s age in years&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's &lt;code&gt;Field(..., ge=18, le=120)&lt;/code&gt;?&lt;/strong&gt; It says: "This field is required, must be an integer, at least 18, at most 120." If someone sends &lt;code&gt;age: -5&lt;/code&gt;, FastAPI automatically returns an error &lt;em&gt;without you writing a single if statement&lt;/em&gt;.&lt;/p&gt;

&lt;p&gt;Let's add the remaining fields the same way:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;    &lt;span class="n"&gt;annual_income&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt; &lt;span class="n"&gt;gt&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;           &lt;span class="c1"&gt;# gt = "greater than" (strictly positive)
&lt;/span&gt;        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Annual income in dollars&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;float&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;10.0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Monthly debt / monthly income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;credit_history_length&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;80&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Credit history in years&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;num_open_accounts&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;100&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Number of open credit accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;num_late_payments&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Number of late payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;loan_amount&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="p"&gt;...,&lt;/span&gt; &lt;span class="n"&gt;gt&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Requested loan amount in dollars&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;We can also add &lt;strong&gt;custom business logic&lt;/strong&gt; validation. For example, you can't have 30 years of credit history if you're 25 years old:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;    &lt;span class="nd"&gt;@field_validator&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="nd"&gt;@classmethod&lt;/span&gt;
    &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;history_cannot_exceed_age&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;cls&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;v&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
        &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="ow"&gt;and&lt;/span&gt; &lt;span class="n"&gt;v&lt;/span&gt; &lt;span class="o"&gt;&amp;gt;&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="mi"&gt;18&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;ValueError&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
                &lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Credit history (&lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;v&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt;y) can&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;t exceed age minus 18&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
            &lt;span class="p"&gt;)&lt;/span&gt;
        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;v&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Now define what the API &lt;strong&gt;returns&lt;/strong&gt;:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;class&lt;/span&gt; &lt;span class="nc"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;0 = No Default, 1 = Default&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;probability_of_default&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;float&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Probability from 0.0 to 1.0&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;str&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Low, Medium, or High&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;


&lt;span class="k"&gt;class&lt;/span&gt; &lt;span class="nc"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;str&lt;/span&gt;
    &lt;span class="n"&gt;model_loaded&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;bool&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  4.5 — The FastAPI application
&lt;/h3&gt;

&lt;p&gt;Now we wire everything together. Create &lt;code&gt;app/main.py&lt;/code&gt;:&lt;/p&gt;

&lt;p&gt;Start with imports:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;fastapi&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;FastAPI&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;HTTPException&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;contextlib&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;asynccontextmanager&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pandas&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;timezone&lt;/span&gt;

&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;app.schemas&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;CreditApplication&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;HealthResponse&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;app.model_loader&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;get_model&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Set up logging (we'll use this for monitoring later):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;basicConfig&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;level&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;INFO&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;logger&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;getLogger&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_scoring_api&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Define what happens when the app starts up. This is where we load the model &lt;strong&gt;once&lt;/strong&gt;:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="nd"&gt;@asynccontextmanager&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;lifespan&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;app&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;FastAPI&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Runs at startup (before yield) and shutdown (after yield).&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Starting up — loading model...&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="nf"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model loaded. Ready to serve predictions.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;yield&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Shutting down.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's &lt;code&gt;@asynccontextmanager&lt;/code&gt;?&lt;/strong&gt; It's FastAPI's way of saying "run this code when the app starts, and that code when it stops." The model gets loaded once, right at startup.&lt;/p&gt;

&lt;p&gt;Create the app:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;app&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;FastAPI&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="n"&gt;title&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Credit Scoring API&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Predict loan default probability&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;version&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;1.0.0&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;lifespan&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;lifespan&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Add a &lt;strong&gt;health check&lt;/strong&gt; endpoint. Every production API needs one — it's how load balancers and monitoring tools know the service is alive:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="nd"&gt;@app.get&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/health&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;response_model&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;health_check&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="k"&gt;try&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;get_model&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="nc"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;healthy&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;model_loaded&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;except&lt;/span&gt; &lt;span class="nb"&gt;RuntimeError&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="nc"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;unhealthy&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;model_loaded&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Now the star of the show — the &lt;strong&gt;prediction endpoint&lt;/strong&gt;:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="nd"&gt;@app.post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;response_model&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;CreditApplication&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;start_time&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;time&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;

    &lt;span class="k"&gt;try&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;get_model&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Convert the validated input into a DataFrame (what scikit-learn expects):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;        &lt;span class="n"&gt;input_data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;([{&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;age&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;annual_income&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;credit_history_length&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;num_open_accounts&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;num_late_payments&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;loan_amount&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="p"&gt;}])&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Get the prediction and probability:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;        &lt;span class="n"&gt;prediction&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;int&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;input_data&lt;/span&gt;&lt;span class="p"&gt;)[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;
        &lt;span class="n"&gt;probability&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;float&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;input_data&lt;/span&gt;&lt;span class="p"&gt;)[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's &lt;code&gt;predict_proba()&lt;/code&gt;?&lt;/strong&gt; It returns probabilities instead of just 0/1. For example, &lt;code&gt;[0.82, 0.18]&lt;/code&gt; means 82% chance of no default, 18% chance of default. The &lt;code&gt;[0][1]&lt;/code&gt; grabs the probability of default (class 1).&lt;/p&gt;

&lt;p&gt;Map the probability to a human-readable risk level:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;        &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;probability&lt;/span&gt; &lt;span class="o"&gt;&amp;lt;&lt;/span&gt; &lt;span class="mf"&gt;0.3&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Low&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
        &lt;span class="k"&gt;elif&lt;/span&gt; &lt;span class="n"&gt;probability&lt;/span&gt; &lt;span class="o"&gt;&amp;lt;&lt;/span&gt; &lt;span class="mf"&gt;0.6&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Medium&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
        &lt;span class="k"&gt;else&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;High&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Calculate how long the prediction took, and &lt;strong&gt;log everything&lt;/strong&gt;:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;        &lt;span class="n"&gt;inference_time_ms&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;time&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="n"&gt;start_time&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;1000&lt;/span&gt;

        &lt;span class="n"&gt;log_entry&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;timestamp&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;now&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;timezone&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;utc&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;isoformat&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;event&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;inputs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;model_dump&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;outputs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
                &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
                &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;probability_of_default&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;probability&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
                &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;risk_category&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="p"&gt;},&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;inference_time_ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;inference_time_ms&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
        &lt;span class="p"&gt;}&lt;/span&gt;
        &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;dumps&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;log_entry&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Why log all of this?&lt;/strong&gt; These logs are gold. They'll be used later for drift detection (comparing production inputs to training data), performance monitoring (is the API getting slower?), and debugging (what happened when a wrong prediction was made?).&lt;/p&gt;

&lt;p&gt;Return the response:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="nc"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
            &lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="n"&gt;probability_of_default&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;probability&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="k"&gt;except&lt;/span&gt; &lt;span class="nb"&gt;Exception&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;e&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;error&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;dumps&lt;/span&gt;&lt;span class="p"&gt;({&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;timestamp&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;now&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;timezone&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;utc&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;isoformat&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;event&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction_error&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;error&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nf"&gt;str&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;e&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;inputs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;model_dump&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
        &lt;span class="p"&gt;}))&lt;/span&gt;
        &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;HTTPException&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;500&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;detail&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Prediction failed: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;str&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;e&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  4.6 — Test it locally
&lt;/h3&gt;



&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;pip &lt;span class="nb"&gt;install &lt;/span&gt;fastapi uvicorn scikit-learn joblib pandas pydantic

uvicorn app.main:app &lt;span class="nt"&gt;--reload&lt;/span&gt; &lt;span class="nt"&gt;--host&lt;/span&gt; 0.0.0.0 &lt;span class="nt"&gt;--port&lt;/span&gt; 8000
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Open &lt;code&gt;http://localhost:8000/docs&lt;/code&gt; — FastAPI auto-generates interactive Swagger documentation:&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F80v5q0n75flg6plvju03.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F80v5q0n75flg6plvju03.png" alt="Swagger UI" width="800" height="900"&gt;&lt;/a&gt;&lt;br&gt;
&lt;em&gt;FastAPI generates this Swagger UI automatically. You can test your API right from the browser.&lt;/em&gt;&lt;/p&gt;

&lt;p&gt;Test with curl:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;curl &lt;span class="nt"&gt;-X&lt;/span&gt; POST &lt;span class="s2"&gt;"http://localhost:8000/predict"&lt;/span&gt; &lt;span class="se"&gt;\&lt;/span&gt;
  &lt;span class="nt"&gt;-H&lt;/span&gt; &lt;span class="s2"&gt;"Content-Type: application/json"&lt;/span&gt; &lt;span class="se"&gt;\&lt;/span&gt;
  &lt;span class="nt"&gt;-d&lt;/span&gt; &lt;span class="s1"&gt;'{
    "age": 35,
    "annual_income": 55000,
    "debt_to_income_ratio": 0.35,
    "credit_history_length": 12,
    "num_open_accounts": 5,
    "num_late_payments": 2,
    "loan_amount": 15000
  }'&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  4.7 — Full API code (copy-paste ready)
&lt;/h3&gt;

&lt;p&gt;&lt;strong&gt;Click to expand: app/model_loader.py (complete)&lt;/strong&gt;&lt;/p&gt;
&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# app/model_loader.py
&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;

&lt;span class="n"&gt;_model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="bp"&gt;None&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="k"&gt;global&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt;
    &lt;span class="n"&gt;model_path&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;environ&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;get&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;MODEL_PATH&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="ow"&gt;not&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;path&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;exists&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
        &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;FileNotFoundError&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model not found at &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;_model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model loaded from &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;model_path&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;get_model&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt; &lt;span class="ow"&gt;is&lt;/span&gt; &lt;span class="bp"&gt;None&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;RuntimeError&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model not loaded! Call load_model() first.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;_model&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;
&lt;p&gt;&lt;strong&gt;Click to expand: app/schemas.py (complete)&lt;/strong&gt;&lt;/p&gt;
&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# app/schemas.py
&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;pydantic&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;field_validator&lt;/span&gt;

&lt;span class="k"&gt;class&lt;/span&gt; &lt;span class="nc"&gt;CreditApplication&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;age&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;18&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;120&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Applicant&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;s age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;annual_income&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;gt&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Annual income ($)&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;float&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;10.0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;DTI ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;credit_history_length&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;80&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Credit history (years)&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;num_open_accounts&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;le&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;100&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Open accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;num_late_payments&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;ge&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Late payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;loan_amount&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(...,&lt;/span&gt; &lt;span class="n"&gt;gt&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Loan amount ($)&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="nd"&gt;@field_validator&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="nd"&gt;@classmethod&lt;/span&gt;
    &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;history_cannot_exceed_age&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;cls&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;v&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
        &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="ow"&gt;and&lt;/span&gt; &lt;span class="n"&gt;v&lt;/span&gt; &lt;span class="o"&gt;&amp;amp;&lt;/span&gt;&lt;span class="n"&gt;gt&lt;/span&gt;&lt;span class="p"&gt;;&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="mi"&gt;18&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;ValueError&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Credit history (&lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;v&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt;y) can&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;t exceed age minus 18&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;v&lt;/span&gt;

&lt;span class="k"&gt;class&lt;/span&gt; &lt;span class="nc"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;int&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;0=No Default, 1=Default&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;probability_of_default&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;float&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Probability 0.0 to 1.0&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;str&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Field&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Low, Medium, or High&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="k"&gt;class&lt;/span&gt; &lt;span class="nc"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;BaseModel&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;str&lt;/span&gt;
    &lt;span class="n"&gt;model_loaded&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nb"&gt;bool&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;
&lt;p&gt;&lt;strong&gt;Click to expand: app/main.py (complete)&lt;/strong&gt;&lt;/p&gt;
&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# app/main.py
&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;fastapi&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;FastAPI&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;HTTPException&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;contextlib&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;asynccontextmanager&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pandas&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;timezone&lt;/span&gt;

&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;app.schemas&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;CreditApplication&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;HealthResponse&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;app.model_loader&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;get_model&lt;/span&gt;

&lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;basicConfig&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;level&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;INFO&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;logger&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;getLogger&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_scoring_api&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nd"&gt;@asynccontextmanager&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;lifespan&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;app&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;FastAPI&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Starting up — loading model...&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="nf"&gt;load_model&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Model loaded. Ready.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;yield&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Shutting down.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="n"&gt;app&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;FastAPI&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="n"&gt;title&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Credit Scoring API&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;description&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Predict loan default probability&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;version&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;1.0.0&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;lifespan&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;lifespan&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nd"&gt;@app.get&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/health&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;response_model&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;health_check&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="k"&gt;try&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;get_model&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="nc"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;healthy&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;model_loaded&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;except&lt;/span&gt; &lt;span class="nb"&gt;RuntimeError&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="nc"&gt;HealthResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;unhealthy&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;model_loaded&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nd"&gt;@app.post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;response_model&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;async&lt;/span&gt; &lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;CreditApplication&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;start_time&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;time&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="k"&gt;try&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;get_model&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
        &lt;span class="n"&gt;input_data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;([{&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;age&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;annual_income&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;credit_history_length&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;num_open_accounts&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;num_late_payments&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;loan_amount&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="p"&gt;}])&lt;/span&gt;
        &lt;span class="n"&gt;prediction&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;int&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;input_data&lt;/span&gt;&lt;span class="p"&gt;)[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;
        &lt;span class="n"&gt;probability&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;float&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;input_data&lt;/span&gt;&lt;span class="p"&gt;)[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;

        &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;probability&lt;/span&gt; &lt;span class="o"&gt;&amp;amp;&lt;/span&gt;&lt;span class="n"&gt;lt&lt;/span&gt;&lt;span class="p"&gt;;&lt;/span&gt; &lt;span class="mf"&gt;0.3&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Low&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
        &lt;span class="k"&gt;elif&lt;/span&gt; &lt;span class="n"&gt;probability&lt;/span&gt; &lt;span class="o"&gt;&amp;amp;&lt;/span&gt;&lt;span class="n"&gt;lt&lt;/span&gt;&lt;span class="p"&gt;;&lt;/span&gt; &lt;span class="mf"&gt;0.6&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Medium&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
        &lt;span class="k"&gt;else&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;High&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;

        &lt;span class="n"&gt;inference_time_ms&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;time&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="n"&gt;start_time&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;1000&lt;/span&gt;

        &lt;span class="n"&gt;log_entry&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;timestamp&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;now&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;timezone&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;utc&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;isoformat&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;event&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;inputs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;model_dump&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;outputs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
                &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
                &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;probability_of_default&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;probability&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
                &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;risk_category&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="p"&gt;},&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;inference_time_ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;inference_time_ms&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
        &lt;span class="p"&gt;}&lt;/span&gt;
        &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;info&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;dumps&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;log_entry&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;

        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="nc"&gt;PredictionResponse&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
            &lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="n"&gt;probability_of_default&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;probability&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
            &lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;risk_category&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;except&lt;/span&gt; &lt;span class="nb"&gt;Exception&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;e&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
        &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;error&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;dumps&lt;/span&gt;&lt;span class="p"&gt;({&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;timestamp&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;datetime&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;now&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;timezone&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;utc&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;isoformat&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;event&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction_error&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;error&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="nf"&gt;str&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;e&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
            &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;inputs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;application&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;model_dump&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;
        &lt;span class="p"&gt;}))&lt;/span&gt;
        &lt;span class="k"&gt;raise&lt;/span&gt; &lt;span class="nc"&gt;HTTPException&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;500&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;detail&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Prediction failed: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;str&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;e&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;


&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add app/
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: implement FastAPI prediction API with validation and logging"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  5. Writing Automated Tests
&lt;/h2&gt;

&lt;h3&gt;
  
  
  Why test?
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fowsdqfl4v5hqn2n5vcp8.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fowsdqfl4v5hqn2n5vcp8.png" alt=" " width="800" height="423"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;Imagine you change one line of code that accidentally breaks input validation. Without tests, this bug goes to production. With tests in your CI/CD pipeline, the bug gets caught &lt;em&gt;before&lt;/em&gt; it ever reaches users.&lt;/p&gt;

&lt;p&gt;We'll write two kinds:&lt;/p&gt;

&lt;ul&gt;
&lt;li&gt;
&lt;strong&gt;Unit tests&lt;/strong&gt;: test individual functions ("does the model return a valid prediction?")&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Integration tests&lt;/strong&gt;: test the full flow ("does the API endpoint respond correctly?")&lt;/li&gt;
&lt;/ul&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fvaakssnmt6lf86xg1xuo.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fvaakssnmt6lf86xg1xuo.png" alt=" " width="800" height="444"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;h3&gt;
  
  
  5.1 — Setting up the test client
&lt;/h3&gt;

&lt;p&gt;FastAPI provides a &lt;code&gt;TestClient&lt;/code&gt; that simulates HTTP requests without starting a real server:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# tests/test_api.py
&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pytest&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;fastapi.testclient&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;TestClient&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;app.main&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;app&lt;/span&gt;

&lt;span class="n"&gt;client&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;TestClient&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;app&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's &lt;code&gt;TestClient&lt;/code&gt;?&lt;/strong&gt; It's a fake browser. You can send GET and POST requests to your API and check the responses, all without starting a server. Tests run in milliseconds.&lt;/p&gt;

&lt;h3&gt;
  
  
  5.2 — Test the health endpoint
&lt;/h3&gt;

&lt;p&gt;The simplest test first:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_health_returns_200&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;get&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/health&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;200&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_health_reports_model_loaded&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;get&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/health&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;json&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;status&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;healthy&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model_loaded&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="ow"&gt;is&lt;/span&gt; &lt;span class="bp"&gt;True&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's &lt;code&gt;assert&lt;/code&gt;?&lt;/strong&gt; It means "this must be true, or the test fails." &lt;code&gt;assert response.status_code == 200&lt;/code&gt; says "the server must return HTTP 200 (OK)."&lt;/p&gt;

&lt;h3&gt;
  
  
  5.3 — Test valid predictions
&lt;/h3&gt;

&lt;p&gt;Now let's test the actual prediction endpoint with good data:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_valid_prediction_returns_200&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;35&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;55000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.35&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;12&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;15000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;200&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Check that the response contains all expected fields:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_response_has_required_fields&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;45&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;80000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.20&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;20&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;json&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;

    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;probability_of_default&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;risk_category&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Check that values are in expected ranges:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_prediction_is_binary&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;40000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.50&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;8&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;4&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;20000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;json&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;prediction&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_probability_between_0_and_1&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;28&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;35000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.60&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;6&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;25000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;json&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="mf"&gt;0.0&lt;/span&gt; &lt;span class="o"&gt;&amp;lt;=&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;probability_of_default&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;&amp;lt;=&lt;/span&gt; &lt;span class="mf"&gt;1.0&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_risk_category_is_valid&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;50&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;100000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.10&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;25&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;5000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;json&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;risk_category&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Low&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Medium&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;High&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  5.4 — Test invalid inputs
&lt;/h3&gt;

&lt;p&gt;This is equally important. Our API should &lt;strong&gt;reject&lt;/strong&gt; bad data with a clear error (HTTP 422):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_negative_age_rejected&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Age of -5 should be rejected.&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt;&lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;  &lt;span class="c1"&gt;# INVALID
&lt;/span&gt;        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;50000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;422&lt;/span&gt;  &lt;span class="c1"&gt;# 422 = Unprocessable Entity
&lt;/span&gt;&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_zero_income_rejected&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Income must be strictly positive.&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;  &lt;span class="c1"&gt;# INVALID
&lt;/span&gt;        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;422&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_missing_field_rejected&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Omitting a required field should fail.&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="c1"&gt;# annual_income is MISSING
&lt;/span&gt;        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;422&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_wrong_type_rejected&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;Sending text where a number is expected should fail.&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;
    &lt;span class="n"&gt;payload&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;thirty&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;  &lt;span class="c1"&gt;# WRONG TYPE
&lt;/span&gt;        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;50000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;10000&lt;/span&gt;
    &lt;span class="p"&gt;}&lt;/span&gt;
    &lt;span class="n"&gt;response&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;client&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;post&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;/predict&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;json&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;payload&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;response&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;status_code&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;422&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  5.5 — Test the model directly
&lt;/h3&gt;

&lt;p&gt;We also test the model itself, separately from the API:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# tests/test_model.py
&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pandas&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_model_loads&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="ow"&gt;is&lt;/span&gt; &lt;span class="ow"&gt;not&lt;/span&gt; &lt;span class="bp"&gt;None&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_model_has_predict&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="nf"&gt;hasattr&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;predict&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="nf"&gt;hasattr&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;predict_proba&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;test_model_returns_one_prediction&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;test_input&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;([{&lt;/span&gt;
        &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;35&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;55000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.35&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;12&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
        &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;15000&lt;/span&gt;
    &lt;span class="p"&gt;}])&lt;/span&gt;
    &lt;span class="n"&gt;prediction&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;test_input&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="k"&gt;assert&lt;/span&gt; &lt;span class="nf"&gt;len&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;prediction&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;==&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  5.6 — Run the tests
&lt;/h3&gt;



&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;pip &lt;span class="nb"&gt;install &lt;/span&gt;pytest httpx

pytest tests/ &lt;span class="nt"&gt;-v&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;You should see all tests passing with green check marks.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add tests/
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add unit and integration tests for API and model"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  6. Containerizing with Docker
&lt;/h2&gt;

&lt;h3&gt;
  
  
  What is Docker?
&lt;/h3&gt;

&lt;p&gt;Your API works on your laptop. But will it work on a server? Maybe the server has a different Python version, or a missing library.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Frku04kgn90ewvthgnq8y.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Frku04kgn90ewvthgnq8y.png" alt=" " width="800" height="251"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Docker&lt;/strong&gt; packages your application with its entire environment — OS, Python, libraries, everything — into a self-contained unit called a &lt;strong&gt;container&lt;/strong&gt;. Think of it like shipping your laptop inside the package instead of just the code.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fxuhhvoob92wew2ktia22.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fxuhhvoob92wew2ktia22.png" alt=" " width="800" height="545"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fpad91038u8k9beue8dny.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fpad91038u8k9beue8dny.png" alt="Docker concept" width="800" height="639"&gt;&lt;/a&gt;&lt;br&gt;
&lt;em&gt;Docker containers package your app with everything it needs. (&lt;a href="https://www.docker.com" rel="noopener noreferrer"&gt;source: docker.com&lt;/a&gt;)&lt;/em&gt;&lt;/p&gt;
&lt;h3&gt;
  
  
  6.1 — The requirements file
&lt;/h3&gt;

&lt;p&gt;First, list all Python dependencies. &lt;strong&gt;Pin the versions&lt;/strong&gt; — without this, a library update could silently break things months later:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight plaintext"&gt;&lt;code&gt;# requirements.txt

fastapi&amp;gt;=0.104.0
uvicorn&amp;gt;=0.24.0
scikit-learn&amp;gt;=1.3.0
joblib&amp;gt;=1.3.0
pandas&amp;gt;=2.0.0
pydantic&amp;gt;=2.0.0
numpy&amp;gt;=1.24.0
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  6.2 — The Dockerfile, line by line
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F08rcz3dub6wb9q4gmdj0.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F08rcz3dub6wb9q4gmdj0.png" alt=" " width="800" height="450"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;A Dockerfile is a recipe. Each line is one instruction:&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F2ka1lwxqkurx3h7wdmyw.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F2ka1lwxqkurx3h7wdmyw.png" alt=" " width="800" height="400"&gt;&lt;/a&gt;&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;FROM&lt;/span&gt;&lt;span class="s"&gt; python:3.11-slim&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What this does:&lt;/strong&gt; Start from a minimal Python 3.11 image. The &lt;code&gt;-slim&lt;/code&gt; variant is ~150MB instead of ~900MB. Less bloat = faster builds.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;WORKDIR&lt;/span&gt;&lt;span class="s"&gt; /app&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What this does:&lt;/strong&gt; All subsequent commands run inside &lt;code&gt;/app&lt;/code&gt; in the container. Like doing &lt;code&gt;cd /app&lt;/code&gt;.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;COPY&lt;/span&gt;&lt;span class="s"&gt; requirements.txt .&lt;/span&gt;
&lt;span class="k"&gt;RUN &lt;/span&gt;pip &lt;span class="nb"&gt;install&lt;/span&gt; &lt;span class="nt"&gt;--no-cache-dir&lt;/span&gt; &lt;span class="nt"&gt;-r&lt;/span&gt; requirements.txt
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What this does:&lt;/strong&gt; Copy the requirements file and install dependencies. &lt;strong&gt;Why copy this file separately?&lt;/strong&gt; Docker caches each step. If &lt;code&gt;requirements.txt&lt;/code&gt; hasn't changed, Docker skips the slow &lt;code&gt;pip install&lt;/code&gt; on rebuilds. This can save minutes.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;COPY&lt;/span&gt;&lt;span class="s"&gt; app/ ./app/&lt;/span&gt;
&lt;span class="k"&gt;COPY&lt;/span&gt;&lt;span class="s"&gt; model/ ./model/&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What this does:&lt;/strong&gt; Copy our application code and model into the container.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;EXPOSE&lt;/span&gt;&lt;span class="s"&gt; 8000&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What this does:&lt;/strong&gt; Documents which port the container uses. It doesn't actually open the port — that's done at runtime.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;CMD&lt;/span&gt;&lt;span class="s"&gt; ["uvicorn", "app.main:app", "--host", "0.0.0.0", "--port", "8000"]&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What this does:&lt;/strong&gt; The command that runs when the container starts. &lt;code&gt;--host 0.0.0.0&lt;/code&gt; means "listen on all network interfaces" — required inside a container (using &lt;code&gt;localhost&lt;/code&gt; won't work from outside).&lt;/p&gt;

&lt;h3&gt;
  
  
  6.3 — Build and run
&lt;/h3&gt;



&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;&lt;span class="c"&gt;# Build the image (give it a name with -t)&lt;/span&gt;
docker build &lt;span class="nt"&gt;-t&lt;/span&gt; credit-scoring-api &lt;span class="nb"&gt;.&lt;/span&gt;

&lt;span class="c"&gt;# Run the container&lt;/span&gt;
&lt;span class="c"&gt;# -p 8000:8000 maps your machine's port 8000 to the container's port 8000&lt;/span&gt;
docker run &lt;span class="nt"&gt;-p&lt;/span&gt; 8000:8000 credit-scoring-api

&lt;span class="c"&gt;# Test it&lt;/span&gt;
curl http://localhost:8000/health
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  6.4 — Full Dockerfile (copy-paste ready)
&lt;/h3&gt;

&lt;p&gt;&lt;strong&gt;Click to expand: Dockerfile (complete)&lt;/strong&gt;&lt;/p&gt;
&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight docker"&gt;&lt;code&gt;&lt;span class="k"&gt;FROM&lt;/span&gt;&lt;span class="s"&gt; python:3.11-slim&lt;/span&gt;
&lt;span class="k"&gt;WORKDIR&lt;/span&gt;&lt;span class="s"&gt; /app&lt;/span&gt;
&lt;span class="k"&gt;COPY&lt;/span&gt;&lt;span class="s"&gt; requirements.txt .&lt;/span&gt;
&lt;span class="k"&gt;RUN &lt;/span&gt;pip &lt;span class="nb"&gt;install&lt;/span&gt; &lt;span class="nt"&gt;--no-cache-dir&lt;/span&gt; &lt;span class="nt"&gt;-r&lt;/span&gt; requirements.txt
&lt;span class="k"&gt;COPY&lt;/span&gt;&lt;span class="s"&gt; app/ ./app/&lt;/span&gt;
&lt;span class="k"&gt;COPY&lt;/span&gt;&lt;span class="s"&gt; model/ ./model/&lt;/span&gt;
&lt;span class="k"&gt;EXPOSE&lt;/span&gt;&lt;span class="s"&gt; 8000&lt;/span&gt;
&lt;span class="k"&gt;CMD&lt;/span&gt;&lt;span class="s"&gt; ["uvicorn", "app.main:app", "--host", "0.0.0.0", "--port", "8000"]&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;


&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add Dockerfile requirements.txt
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add Dockerfile for containerized deployment"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  7. Building a CI/CD Pipeline with GitHub Actions
&lt;/h2&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fru2dgrori1tsez7mln9o.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fru2dgrori1tsez7mln9o.png" alt=" " width="800" height="1049"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;h3&gt;
  
  
  What is CI/CD?
&lt;/h3&gt;

&lt;ul&gt;
&lt;li&gt;
&lt;strong&gt;Continuous Integration (CI)&lt;/strong&gt;: Every time you push code, tests run automatically&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Continuous Deployment (CD)&lt;/strong&gt;: If tests pass, the code gets deployed automatically&lt;/li&gt;
&lt;/ul&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fqjtj3ke3ewsdm9yyauhi.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fqjtj3ke3ewsdm9yyauhi.png" alt=" " width="800" height="324"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;Without CI/CD: you manually run tests (if you remember), manually build Docker, manually deploy. With CI/CD: push code → everything happens automatically. (&lt;a href="https://docs.github.com/en/actions" rel="noopener noreferrer"&gt;GitHub Actions docs&lt;/a&gt;)&lt;/p&gt;

&lt;h3&gt;
  
  
  7.1 — The pipeline structure
&lt;/h3&gt;

&lt;p&gt;Our pipeline has 3 stages that run in sequence:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight plaintext"&gt;&lt;code&gt;PUSH to main
    │
    ▼
┌──────────┐     ┌──────────┐     ┌──────────┐
│   TEST   │ ──▶ │  BUILD   │ ──▶ │  DEPLOY  │
│  pytest  │     │  docker  │     │  push to  │
│          │     │  build   │     │  registry │
└──────────┘     └──────────┘     └──────────┘
     │                │                │
  If FAIL:         If FAIL:        If FAIL:
  STOP HERE        STOP HERE       STOP HERE
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Key insight:&lt;/strong&gt; If tests fail, we don't waste time building. If building fails, we don't try to deploy. Each stage only runs if the previous one succeeded.&lt;/p&gt;

&lt;h3&gt;
  
  
  7.2 — The YAML file, block by block
&lt;/h3&gt;

&lt;p&gt;Create &lt;code&gt;.github/workflows/ci-cd.yml&lt;/code&gt;:&lt;/p&gt;

&lt;p&gt;First, define &lt;strong&gt;when&lt;/strong&gt; the pipeline runs:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight yaml"&gt;&lt;code&gt;&lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;CI/CD Pipeline&lt;/span&gt;

&lt;span class="na"&gt;on&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
  &lt;span class="na"&gt;push&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
    &lt;span class="na"&gt;branches&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;[&lt;/span&gt;&lt;span class="nv"&gt;main&lt;/span&gt;&lt;span class="pi"&gt;]&lt;/span&gt;
  &lt;span class="na"&gt;pull_request&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
    &lt;span class="na"&gt;branches&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;[&lt;/span&gt;&lt;span class="nv"&gt;main&lt;/span&gt;&lt;span class="pi"&gt;]&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;This means: "Run on every push to &lt;code&gt;main&lt;/code&gt; and on every pull request targeting &lt;code&gt;main&lt;/code&gt;."&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Stage 1 — TEST:&lt;/strong&gt;&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight yaml"&gt;&lt;code&gt;&lt;span class="na"&gt;jobs&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
  &lt;span class="na"&gt;test&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
    &lt;span class="na"&gt;runs-on&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;ubuntu-latest&lt;/span&gt;
    &lt;span class="na"&gt;steps&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Checkout code&lt;/span&gt;
        &lt;span class="na"&gt;uses&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;actions/checkout@v4&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Set up Python&lt;/span&gt;
        &lt;span class="na"&gt;uses&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;actions/setup-python@v5&lt;/span&gt;
        &lt;span class="na"&gt;with&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
          &lt;span class="na"&gt;python-version&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s2"&gt;"&lt;/span&gt;&lt;span class="s"&gt;3.11"&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Install dependencies&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;|&lt;/span&gt;
          &lt;span class="s"&gt;python -m pip install --upgrade pip&lt;/span&gt;
          &lt;span class="s"&gt;pip install -r requirements.txt&lt;/span&gt;
          &lt;span class="s"&gt;pip install pytest httpx&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Generate model&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;python train_model.py&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Run tests&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;pytest tests/ -v --tb=short&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's happening?&lt;/strong&gt; GitHub spins up a fresh Ubuntu machine, installs Python, installs our dependencies, trains the model (in a real project you'd download it from a model registry), and runs pytest.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Stage 2 — BUILD&lt;/strong&gt; (only runs if Stage 1 passes):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight yaml"&gt;&lt;code&gt;  &lt;span class="na"&gt;build&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
    &lt;span class="na"&gt;runs-on&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;ubuntu-latest&lt;/span&gt;
    &lt;span class="na"&gt;needs&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;test&lt;/span&gt;            &lt;span class="c1"&gt;# &amp;lt;-- This is the key: "needs" means "wait for test"&lt;/span&gt;
    &lt;span class="na"&gt;steps&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Checkout code&lt;/span&gt;
        &lt;span class="na"&gt;uses&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;actions/checkout@v4&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Generate model&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;|&lt;/span&gt;
          &lt;span class="s"&gt;pip install scikit-learn pandas joblib numpy&lt;/span&gt;
          &lt;span class="s"&gt;python train_model.py&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Build Docker image&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;docker build -t credit-scoring-api:${{ github.sha }} .&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Smoke test the container&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;|&lt;/span&gt;
          &lt;span class="s"&gt;docker run -d -p 8000:8000 --name test-api credit-scoring-api:${{ github.sha }}&lt;/span&gt;
          &lt;span class="s"&gt;sleep 10&lt;/span&gt;
          &lt;span class="s"&gt;curl --fail http://localhost:8000/health || exit 1&lt;/span&gt;
          &lt;span class="s"&gt;docker stop test-api&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What's a smoke test?&lt;/strong&gt; We start the container and hit the health endpoint. If it doesn't respond, something is broken. &lt;code&gt;curl --fail&lt;/code&gt; returns an error if the HTTP response indicates failure.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Stage 3 — DEPLOY&lt;/strong&gt; (only from &lt;code&gt;main&lt;/code&gt; branch, only if build passed):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight yaml"&gt;&lt;code&gt;  &lt;span class="na"&gt;deploy&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
    &lt;span class="na"&gt;runs-on&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;ubuntu-latest&lt;/span&gt;
    &lt;span class="na"&gt;needs&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;build&lt;/span&gt;
    &lt;span class="na"&gt;if&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;github.ref == 'refs/heads/main'&lt;/span&gt;  &lt;span class="c1"&gt;# Only deploy from main&lt;/span&gt;
    &lt;span class="na"&gt;steps&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Checkout code&lt;/span&gt;
        &lt;span class="na"&gt;uses&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;actions/checkout@v4&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Generate model&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;|&lt;/span&gt;
          &lt;span class="s"&gt;pip install scikit-learn pandas joblib numpy&lt;/span&gt;
          &lt;span class="s"&gt;python train_model.py&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Log in to Docker Hub&lt;/span&gt;
        &lt;span class="na"&gt;uses&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;docker/login-action@v3&lt;/span&gt;
        &lt;span class="na"&gt;with&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt;
          &lt;span class="na"&gt;username&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;${{ secrets.DOCKER_USERNAME }}&lt;/span&gt;
          &lt;span class="na"&gt;password&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;${{ secrets.DOCKER_TOKEN }}&lt;/span&gt;

      &lt;span class="pi"&gt;-&lt;/span&gt; &lt;span class="na"&gt;name&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="s"&gt;Build and push&lt;/span&gt;
        &lt;span class="na"&gt;run&lt;/span&gt;&lt;span class="pi"&gt;:&lt;/span&gt; &lt;span class="pi"&gt;|&lt;/span&gt;
          &lt;span class="s"&gt;docker build -t ${{ secrets.DOCKER_USERNAME }}/credit-scoring-api:latest .&lt;/span&gt;
          &lt;span class="s"&gt;docker push ${{ secrets.DOCKER_USERNAME }}/credit-scoring-api:latest&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;What are &lt;code&gt;secrets&lt;/code&gt;?&lt;/strong&gt; Credentials stored securely in GitHub Settings → Secrets. They're never visible in logs. &lt;strong&gt;Never&lt;/strong&gt; hardcode passwords in your code or YAML files.&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add .github/
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add CI/CD pipeline with GitHub Actions"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  8. Logging Production Data
&lt;/h2&gt;

&lt;h3&gt;
  
  
  Why log everything?
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fpgyi8fbe5wdkwi839tdx.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fpgyi8fbe5wdkwi839tdx.png" alt=" " width="800" height="418"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;Once your model is live, you're flying blind unless you collect data. Logging serves:&lt;/p&gt;

&lt;ol&gt;
&lt;li&gt;
&lt;strong&gt;Debugging&lt;/strong&gt;: When something breaks at 2 AM, logs tell you what happened&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Drift detection&lt;/strong&gt;: Compare production inputs against training data&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Performance&lt;/strong&gt;: Track how fast (or slow) predictions are&lt;/li&gt;
&lt;li&gt;
&lt;strong&gt;Auditing&lt;/strong&gt;: In finance, you need records of every decision&lt;/li&gt;
&lt;/ol&gt;

&lt;h3&gt;
  
  
  8.1 — What to store
&lt;/h3&gt;

&lt;div class="table-wrapper-paragraph"&gt;&lt;table&gt;
&lt;thead&gt;
&lt;tr&gt;
&lt;th&gt;What&lt;/th&gt;
&lt;th&gt;Why&lt;/th&gt;
&lt;th&gt;Example&lt;/th&gt;
&lt;/tr&gt;
&lt;/thead&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;Input features&lt;/td&gt;
&lt;td&gt;Drift detection&lt;/td&gt;
&lt;td&gt;&lt;code&gt;age: 35, income: 55000, ...&lt;/code&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Prediction&lt;/td&gt;
&lt;td&gt;Performance monitoring&lt;/td&gt;
&lt;td&gt;&lt;code&gt;prediction: 0&lt;/code&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Probability&lt;/td&gt;
&lt;td&gt;Score distribution&lt;/td&gt;
&lt;td&gt;&lt;code&gt;probability: 0.18&lt;/code&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Inference time&lt;/td&gt;
&lt;td&gt;Latency monitoring&lt;/td&gt;
&lt;td&gt;&lt;code&gt;12.3 ms&lt;/code&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Timestamp&lt;/td&gt;
&lt;td&gt;Time-based analysis&lt;/td&gt;
&lt;td&gt;&lt;code&gt;2024-03-15T14:30:00Z&lt;/code&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Errors&lt;/td&gt;
&lt;td&gt;Debugging&lt;/td&gt;
&lt;td&gt;&lt;code&gt;ValueError: ...&lt;/code&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;&lt;/div&gt;

&lt;h3&gt;
  
  
  8.2 — Structured logging
&lt;/h3&gt;

&lt;p&gt;We already added logging in our &lt;code&gt;main.py&lt;/code&gt; (section 4.5). The key is using &lt;strong&gt;JSON format&lt;/strong&gt; — it's machine-parseable, so monitoring tools (ELK Stack, Datadog, CloudWatch) can automatically index every field.&lt;/p&gt;

&lt;p&gt;Here's a dedicated logger with &lt;strong&gt;file rotation&lt;/strong&gt; (prevents logs from filling up the disk):&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# monitoring/logger.py
&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;logging.handlers&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;RotatingFileHandler&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;def&lt;/span&gt; &lt;span class="nf"&gt;setup_production_logger&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;name&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;credit_scoring_api&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;log_dir&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;logs&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;makedirs&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;log_dir&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;exist_ok&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;logger&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;getLogger&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;name&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;setLevel&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;INFO&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;handlers&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;  &lt;span class="c1"&gt;# Avoid duplicates
&lt;/span&gt;        &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;logger&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;The file handler rotates logs when they reach 10 MB, keeping 5 old files:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;    &lt;span class="n"&gt;file_handler&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;RotatingFileHandler&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="n"&gt;filename&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;path&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;join&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;log_dir&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;predictions.log&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
        &lt;span class="n"&gt;maxBytes&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;10_000_000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;  &lt;span class="c1"&gt;# 10 MB per file
&lt;/span&gt;        &lt;span class="n"&gt;backupCount&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;        &lt;span class="c1"&gt;# Keep 5 rotated files
&lt;/span&gt;    &lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;    &lt;span class="n"&gt;console_handler&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;StreamHandler&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;

    &lt;span class="c1"&gt;# Both handlers use the same format
&lt;/span&gt;    &lt;span class="n"&gt;formatter&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;logging&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;Formatter&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;%(asctime)s - %(name)s - %(message)s&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;file_handler&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;setFormatter&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;formatter&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;console_handler&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;setFormatter&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;formatter&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;addHandler&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;file_handler&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;logger&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;addHandler&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;console_handler&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

    &lt;span class="k"&gt;return&lt;/span&gt; &lt;span class="n"&gt;logger&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;blockquote&gt;
&lt;p&gt;&lt;strong&gt;In production&lt;/strong&gt;, these log files would be shipped to a centralized logging platform (Elasticsearch, Datadog, CloudWatch). For our tutorial, local files are enough — the important thing is that we're capturing the data.&lt;br&gt;
&lt;/p&gt;
&lt;/blockquote&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add monitoring/
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add production logging with file rotation"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  9. Data Drift Detection with Evidently
&lt;/h2&gt;

&lt;h3&gt;
  
  
  What is data drift?
&lt;/h3&gt;

&lt;p&gt;Your model learned patterns from training data. But the real world changes. People's financial behavior shifts due to economic events, policy changes, or seasonal patterns.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Data drift&lt;/strong&gt; = the data your model receives in production starts looking significantly different from what it was trained on. This is your early warning system — it tells you when the model might need retraining.&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fof7scr96oh7qa9seasp7.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Fof7scr96oh7qa9seasp7.png" alt=" " width="800" height="450"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;&lt;em&gt;When production data drifts away from training data, model performance can degrade. (&lt;a href="https://www.evidentlyai.com" rel="noopener noreferrer"&gt;source: Evidently AI&lt;/a&gt;)&lt;/em&gt;&lt;/p&gt;

&lt;h3&gt;
  
  
  Types of drift
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F0hzaw8vmgyhhw1lszyhn.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F0hzaw8vmgyhhw1lszyhn.png" alt=" " width="800" height="450"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;div class="table-wrapper-paragraph"&gt;&lt;table&gt;
&lt;thead&gt;
&lt;tr&gt;
&lt;th&gt;Type&lt;/th&gt;
&lt;th&gt;What changes&lt;/th&gt;
&lt;th&gt;Example&lt;/th&gt;
&lt;/tr&gt;
&lt;/thead&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Data drift&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Input distributions&lt;/td&gt;
&lt;td&gt;Average income of applicants increases&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Concept drift&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Feature-target relationship&lt;/td&gt;
&lt;td&gt;Same income now means higher default risk&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;&lt;strong&gt;Prediction drift&lt;/strong&gt;&lt;/td&gt;
&lt;td&gt;Output distribution&lt;/td&gt;
&lt;td&gt;Model starts predicting more defaults&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;&lt;/div&gt;

&lt;h3&gt;
  
  
  9.1 — Load the reference data
&lt;/h3&gt;

&lt;p&gt;The &lt;strong&gt;reference&lt;/strong&gt; is our training data — what the model was built on:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pandas&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;numpy&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;

&lt;span class="n"&gt;reference_data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;read_csv&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;data/reference_data.csv&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Reference data: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;shape&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  9.2 — Simulate production data with drift
&lt;/h3&gt;

&lt;p&gt;In real life, this would come from your API logs. Here we simulate production data that has &lt;strong&gt;intentional drift&lt;/strong&gt; — so we can see the detection in action:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;seed&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;123&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;n_production&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="mi"&gt;1000&lt;/span&gt;

&lt;span class="n"&gt;current_data&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;({&lt;/span&gt;
    &lt;span class="c1"&gt;# DRIFT: younger applicants (new customer segment)
&lt;/span&gt;    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;18&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;55&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_production&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;

    &lt;span class="c1"&gt;# DRIFT: higher incomes (economic growth)
&lt;/span&gt;    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;lognormal&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="n"&gt;mean&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;10.8&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;sigma&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.7&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;n_production&lt;/span&gt;  &lt;span class="c1"&gt;# Was 10.5
&lt;/span&gt;    &lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;astype&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="nb"&gt;int&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;

    &lt;span class="c1"&gt;# DRIFT: higher debt ratios (inflation effect)
&lt;/span&gt;    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;uniform&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
        &lt;span class="mf"&gt;0.1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mf"&gt;1.8&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_production&lt;/span&gt;  &lt;span class="c1"&gt;# Was 0 to 1.5
&lt;/span&gt;    &lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;

    &lt;span class="c1"&gt;# STABLE: no significant change
&lt;/span&gt;    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_production&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;20&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_production&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;

    &lt;span class="c1"&gt;# SLIGHT DRIFT: more late payments
&lt;/span&gt;    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;poisson&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;lam&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;2.2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;size&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;n_production&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;

    &lt;span class="c1"&gt;# DRIFT: higher loan amounts
&lt;/span&gt;    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;random&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;randint&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;5000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;65000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;n_production&lt;/span&gt;&lt;span class="p"&gt;),&lt;/span&gt;
&lt;span class="p"&gt;})&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Production data: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;current_data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;shape&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  9.3 — Visualize the distributions
&lt;/h3&gt;

&lt;p&gt;Before running statistical tests, always look at the data:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;matplotlib.pyplot&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;plt&lt;/span&gt;

&lt;span class="n"&gt;fig&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;axes&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;plt&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;subplots&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;figsize&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;16&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;12&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;
&lt;span class="n"&gt;fig&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;suptitle&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Reference (blue) vs Production (orange)&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;fontsize&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;14&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="k"&gt;for&lt;/span&gt; &lt;span class="n"&gt;idx&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;feature&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="nf"&gt;enumerate&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;columns&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;row&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;col&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;idx&lt;/span&gt; &lt;span class="o"&gt;//&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;idx&lt;/span&gt; &lt;span class="o"&gt;%&lt;/span&gt; &lt;span class="mi"&gt;3&lt;/span&gt;
    &lt;span class="n"&gt;ax&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;axes&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="n"&gt;row&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="n"&gt;col&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
    &lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;hist&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="n"&gt;feature&lt;/span&gt;&lt;span class="p"&gt;],&lt;/span&gt; &lt;span class="n"&gt;bins&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;alpha&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="n"&gt;label&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Reference&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;color&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;steelblue&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;density&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;hist&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;current_data&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="n"&gt;feature&lt;/span&gt;&lt;span class="p"&gt;],&lt;/span&gt; &lt;span class="n"&gt;bins&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;30&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;alpha&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
            &lt;span class="n"&gt;label&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Production&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;color&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;darkorange&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;density&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;set_title&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;feature&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;legend&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;fontsize&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;8&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# Hide unused subplot
&lt;/span&gt;&lt;span class="n"&gt;axes&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="nf"&gt;set_visible&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;plt&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;tight_layout&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;span class="n"&gt;plt&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;show&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;You should clearly see the distributions shifting for several features.&lt;/p&gt;

&lt;h3&gt;
  
  
  9.4 — Run the Evidently drift report
&lt;/h3&gt;

&lt;p&gt;&lt;strong&gt;Evidently AI&lt;/strong&gt; (&lt;a href="https://docs.evidentlyai.com/" rel="noopener noreferrer"&gt;docs&lt;/a&gt;) compares reference vs. current data using statistical tests and tells you which features have drifted:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;evidently.report&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;Report&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;evidently.metrics&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;DatasetDriftMetric&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;DataDriftTable&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Create and run the report:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;drift_report&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nc"&gt;Report&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;metrics&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;
    &lt;span class="nc"&gt;DatasetDriftMetric&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;   &lt;span class="c1"&gt;# Overall: is there drift?
&lt;/span&gt;    &lt;span class="nc"&gt;DataDriftTable&lt;/span&gt;&lt;span class="p"&gt;(),&lt;/span&gt;       &lt;span class="c1"&gt;# Per-feature: which ones drifted?
&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;

&lt;span class="n"&gt;drift_report&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;run&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="n"&gt;current_data&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;current_data&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Save the interactive HTML report:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;os&lt;/span&gt;
&lt;span class="n"&gt;os&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;makedirs&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;monitoring&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;exist_ok&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;True&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;drift_report&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;save_html&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;monitoring/drift_report.html&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Report saved — open monitoring/drift_report.html in your browser&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  9.5 — Extract results programmatically
&lt;/h3&gt;

&lt;p&gt;Pretty charts are nice, but for &lt;strong&gt;automated&lt;/strong&gt; monitoring you need to extract results as data:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;report_dict&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;drift_report&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;as_dict&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;

&lt;span class="c1"&gt;# Overall drift result
&lt;/span&gt;&lt;span class="n"&gt;dataset_drift&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;report_dict&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;metrics&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;result&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Drift detected: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;YES&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt; &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;dataset_drift&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;dataset_drift&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="k"&gt;else&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;NO&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Drifted features: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;dataset_drift&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;number_of_drifted_columns&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
      &lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt; / &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;dataset_drift&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;number_of_columns&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Per-feature breakdown:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;drift_table&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;report_dict&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;metrics&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;][&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;result&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="se"&gt;\n&lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Feature&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="o"&gt;&amp;lt;&lt;/span&gt;&lt;span class="mi"&gt;28&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Drifted?&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="o"&gt;&amp;lt;&lt;/span&gt;&lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Score&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="o"&gt;&amp;lt;&lt;/span&gt;&lt;span class="mi"&gt;12&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Test&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;-&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;70&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="k"&gt;for&lt;/span&gt; &lt;span class="n"&gt;col&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="n"&gt;drift_table&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;drift_by_columns&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="nf"&gt;items&lt;/span&gt;&lt;span class="p"&gt;():&lt;/span&gt;
    &lt;span class="n"&gt;status&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;YES&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt; &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;drift_detected&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="k"&gt;else&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;no&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;
    &lt;span class="n"&gt;score&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;drift_score&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
    &lt;span class="n"&gt;test&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;stattest_name&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
    &lt;span class="n"&gt;flag&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt; &amp;lt;&amp;lt; ALERT&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt; &lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;info&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;drift_detected&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="k"&gt;else&lt;/span&gt; &lt;span class="sh"&gt;""&lt;/span&gt;
    &lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;col&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="o"&gt;&amp;lt;&lt;/span&gt;&lt;span class="mi"&gt;28&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;status&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="o"&gt;&amp;lt;&lt;/span&gt;&lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;score&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="o"&gt;&amp;lt;&lt;/span&gt;&lt;span class="mf"&gt;12.6&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;test&lt;/span&gt;&lt;span class="si"&gt;}{&lt;/span&gt;&lt;span class="n"&gt;flag&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  9.6 — Interpret the results
&lt;/h3&gt;

&lt;p&gt;Running a tool is easy. The real skill is &lt;strong&gt;interpreting&lt;/strong&gt; what the results mean:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="k"&gt;if&lt;/span&gt; &lt;span class="n"&gt;dataset_drift&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;dataset_drift&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]:&lt;/span&gt;
    &lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="s"&gt;
    ACTION REQUIRED:
    1. Check model accuracy on recent production data
    2. Investigate root cause (market shift? data bug?)
    3. Retrain if performance has degraded
    4. Set up automated alerts for future drift
    &lt;/span&gt;&lt;span class="sh"&gt;"""&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="k"&gt;else&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt;
    &lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;No significant drift. Continue monitoring weekly.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;And a statistical comparison table:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;comparison&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;({&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Feature&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;columns&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Training Mean&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;reference_data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;().&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="n"&gt;values&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Production Mean&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;current_data&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;().&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="n"&gt;values&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
&lt;span class="p"&gt;})&lt;/span&gt;
&lt;span class="n"&gt;comparison&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Shift %&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;
    &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;comparison&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Production Mean&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="n"&gt;comparison&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Training Mean&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;])&lt;/span&gt;
    &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="n"&gt;comparison&lt;/span&gt;&lt;span class="p"&gt;[&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Training Mean&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;100&lt;/span&gt;
&lt;span class="p"&gt;).&lt;/span&gt;&lt;span class="nf"&gt;round&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="se"&gt;\n&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;comparison&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;to_string&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;index&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="bp"&gt;False&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add notebooks/ monitoring/
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add data drift analysis with Evidently AI"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  10. Performance Optimization
&lt;/h2&gt;

&lt;p&gt;The Fiverr client wanted a fast API. Let's measure and improve.&lt;/p&gt;

&lt;h3&gt;
  
  
  10.1 — Profile with cProfile
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F4jvj45l45pglnpw9pqyp.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2F4jvj45l45pglnpw9pqyp.png" alt=" " width="800" height="522"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;cProfile&lt;/strong&gt; is Python's built-in profiler. It tells you exactly where time is spent:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;cProfile&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;pstats&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;io&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;statistics&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;stdev&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;joblib&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;load&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.pkl&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="n"&gt;test_input&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pd&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;DataFrame&lt;/span&gt;&lt;span class="p"&gt;([{&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;age&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;35&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;annual_income&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;55000&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;debt_to_income_ratio&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mf"&gt;0.35&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;credit_history_length&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;12&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_open_accounts&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;num_late_payments&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt;
    &lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;loan_amount&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="mi"&gt;15000&lt;/span&gt;
&lt;span class="p"&gt;}])&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Profile 100 predictions to get meaningful data:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;profiler&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;cProfile&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;Profile&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;span class="n"&gt;profiler&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;enable&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;

&lt;span class="k"&gt;for&lt;/span&gt; &lt;span class="n"&gt;_&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="nf"&gt;range&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;100&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;test_input&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="n"&gt;profiler&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;disable&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;

&lt;span class="c1"&gt;# Print the top 10 slowest functions
&lt;/span&gt;&lt;span class="n"&gt;stream&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;io&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;StringIO&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;span class="n"&gt;stats&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;pstats&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;Stats&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;profiler&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;stream&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;stream&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;stats&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;sort_stats&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;cumulative&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;stats&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;print_stats&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;stream&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;getvalue&lt;/span&gt;&lt;span class="p"&gt;())&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  10.2 — Establish a baseline
&lt;/h3&gt;

&lt;p&gt;Run 1,000 predictions and measure the distribution of times:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;n_iterations&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="mi"&gt;1000&lt;/span&gt;
&lt;span class="n"&gt;times_sklearn&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;[]&lt;/span&gt;

&lt;span class="k"&gt;for&lt;/span&gt; &lt;span class="n"&gt;_&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="nf"&gt;range&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;n_iterations&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;start&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;perf_counter&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;test_input&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
    &lt;span class="n"&gt;end&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;perf_counter&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;append&lt;/span&gt;&lt;span class="p"&gt;((&lt;/span&gt;&lt;span class="n"&gt;end&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="n"&gt;start&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;1000&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;  &lt;span class="c1"&gt;# Convert to ms
&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Baseline (scikit-learn) over &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;n_iterations&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; iterations:&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  Mean:  &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  Std:   &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;stdev&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  p95:   &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;percentile&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;95&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  10.3 — Optimize with ONNX Runtime
&lt;/h3&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Ftfjpo8pao1j6fz8p0uaa.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Ftfjpo8pao1j6fz8p0uaa.png" alt=" " width="800" height="533"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;ONNX&lt;/strong&gt; (Open Neural Network Exchange) is a standard format for ML models. &lt;strong&gt;ONNX Runtime&lt;/strong&gt; is a highly optimized engine that can run models faster than native scikit-learn. (&lt;a href="https://onnxruntime.ai/" rel="noopener noreferrer"&gt;ONNX Runtime docs&lt;/a&gt;)&lt;/p&gt;

&lt;p&gt;&lt;a href="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Flo2d1405sx56kk8kzsad.png" class="article-body-image-wrapper"&gt;&lt;img src="https://media2.dev.to/dynamic/image/width=800%2Cheight=%2Cfit=scale-down%2Cgravity=auto%2Cformat=auto/https%3A%2F%2Fdev-to-uploads.s3.amazonaws.com%2Fuploads%2Farticles%2Flo2d1405sx56kk8kzsad.png" alt=" " width="800" height="369"&gt;&lt;/a&gt;&lt;/p&gt;

&lt;p&gt;First, convert our sklearn pipeline to ONNX format:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;skl2onnx&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;convert_sklearn&lt;/span&gt;
&lt;span class="kn"&gt;from&lt;/span&gt; &lt;span class="n"&gt;skl2onnx.common.data_types&lt;/span&gt; &lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;FloatTensorType&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;onnxruntime&lt;/span&gt; &lt;span class="k"&gt;as&lt;/span&gt; &lt;span class="n"&gt;ort&lt;/span&gt;
&lt;span class="kn"&gt;import&lt;/span&gt; &lt;span class="n"&gt;onnx&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# Define input shape: [any batch size, 7 features]
&lt;/span&gt;&lt;span class="n"&gt;initial_type&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;[(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;float_input&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="nc"&gt;FloatTensorType&lt;/span&gt;&lt;span class="p"&gt;([&lt;/span&gt;&lt;span class="bp"&gt;None&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;7&lt;/span&gt;&lt;span class="p"&gt;]))]&lt;/span&gt;

&lt;span class="c1"&gt;# Convert
&lt;/span&gt;&lt;span class="n"&gt;onnx_model&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;convert_sklearn&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;initial_types&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="n"&gt;initial_type&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;target_opset&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;12&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="c1"&gt;# Save
&lt;/span&gt;&lt;span class="n"&gt;onnx&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;save_model&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;onnx_model&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.onnx&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;ONNX model saved!&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;Now benchmark it:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="c1"&gt;# Create ONNX session
&lt;/span&gt;&lt;span class="n"&gt;session&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;ort&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nc"&gt;InferenceSession&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;model/credit_model.onnx&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;input_name&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;session&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;get_inputs&lt;/span&gt;&lt;span class="p"&gt;()[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;].&lt;/span&gt;&lt;span class="n"&gt;name&lt;/span&gt;

&lt;span class="c1"&gt;# ONNX expects numpy arrays, not DataFrames
&lt;/span&gt;&lt;span class="n"&gt;test_np&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;test_input&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;values&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;astype&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="n"&gt;float32&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="n"&gt;times_onnx&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;[]&lt;/span&gt;
&lt;span class="k"&gt;for&lt;/span&gt; &lt;span class="n"&gt;_&lt;/span&gt; &lt;span class="ow"&gt;in&lt;/span&gt; &lt;span class="nf"&gt;range&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;n_iterations&lt;/span&gt;&lt;span class="p"&gt;):&lt;/span&gt;
    &lt;span class="n"&gt;start&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;perf_counter&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="n"&gt;session&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;run&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="bp"&gt;None&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;&lt;span class="n"&gt;input_name&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;test_np&lt;/span&gt;&lt;span class="p"&gt;})&lt;/span&gt;
    &lt;span class="n"&gt;end&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;time&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;perf_counter&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
    &lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;append&lt;/span&gt;&lt;span class="p"&gt;((&lt;/span&gt;&lt;span class="n"&gt;end&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="n"&gt;start&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;1000&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;ONNX Runtime over &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;n_iterations&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; iterations:&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  Mean:  &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  Std:   &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;stdev&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  p95:   &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;np&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;percentile&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;95&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  10.4 — Compare and verify
&lt;/h3&gt;



&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;speedup&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;improvement&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt; &lt;span class="o"&gt;-&lt;/span&gt; &lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt; &lt;span class="o"&gt;/&lt;/span&gt; &lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt; &lt;span class="o"&gt;*&lt;/span&gt; &lt;span class="mi"&gt;100&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="se"&gt;\n&lt;/span&gt;&lt;span class="s"&gt;Comparison:&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  scikit-learn: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  ONNX Runtime: &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="nf"&gt;mean&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;3&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt; ms&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  Speedup:      &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;speedup&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;2&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt;x&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;  Improvement:  &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;improvement&lt;/span&gt;&lt;span class="si"&gt;:&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="n"&gt;f&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="s"&gt;%&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Critical step:&lt;/strong&gt; verify the optimization doesn't change predictions. Speed is worthless if accuracy drops:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;sklearn_pred&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;model&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;predict_proba&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;test_input&lt;/span&gt;&lt;span class="p"&gt;)[&lt;/span&gt;&lt;span class="mi"&gt;0&lt;/span&gt;&lt;span class="p"&gt;]&lt;/span&gt;
&lt;span class="n"&gt;onnx_result&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;session&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;run&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="bp"&gt;None&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="p"&gt;{&lt;/span&gt;&lt;span class="n"&gt;input_name&lt;/span&gt;&lt;span class="p"&gt;:&lt;/span&gt; &lt;span class="n"&gt;test_np&lt;/span&gt;&lt;span class="p"&gt;})&lt;/span&gt;

&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sa"&gt;f&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="se"&gt;\n&lt;/span&gt;&lt;span class="s"&gt;sklearn proba:  &lt;/span&gt;&lt;span class="si"&gt;{&lt;/span&gt;&lt;span class="n"&gt;sklearn_pred&lt;/span&gt;&lt;span class="si"&gt;}&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="nf"&gt;print&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="s"&gt;Predictions match — safe to deploy the optimized version.&lt;/span&gt;&lt;span class="sh"&gt;"&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;h3&gt;
  
  
  10.5 — Visualize the improvement
&lt;/h3&gt;



&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight python"&gt;&lt;code&gt;&lt;span class="n"&gt;fig&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;ax&lt;/span&gt; &lt;span class="o"&gt;=&lt;/span&gt; &lt;span class="n"&gt;plt&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;subplots&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;1&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;figsize&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="mi"&gt;10&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="mi"&gt;5&lt;/span&gt;&lt;span class="p"&gt;))&lt;/span&gt;
&lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;hist&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_sklearn&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;bins&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;50&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;alpha&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.6&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;label&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;scikit-learn&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;color&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;steelblue&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;hist&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="n"&gt;times_onnx&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;bins&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mi"&gt;50&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;alpha&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="mf"&gt;0.6&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;label&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;ONNX Runtime&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;,&lt;/span&gt; &lt;span class="n"&gt;color&lt;/span&gt;&lt;span class="o"&gt;=&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;darkorange&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;set_xlabel&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Inference Time (ms)&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;set_ylabel&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Frequency&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;set_title&lt;/span&gt;&lt;span class="p"&gt;(&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="s"&gt;Inference Time: scikit-learn vs ONNX Runtime&lt;/span&gt;&lt;span class="sh"&gt;'&lt;/span&gt;&lt;span class="p"&gt;)&lt;/span&gt;
&lt;span class="n"&gt;ax&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;legend&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;span class="n"&gt;plt&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;tight_layout&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;span class="n"&gt;plt&lt;/span&gt;&lt;span class="p"&gt;.&lt;/span&gt;&lt;span class="nf"&gt;show&lt;/span&gt;&lt;span class="p"&gt;()&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;





&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight shell"&gt;&lt;code&gt;git add optimization/
git commit &lt;span class="nt"&gt;-m&lt;/span&gt; &lt;span class="s2"&gt;"feat: add performance profiling and ONNX optimization"&lt;/span&gt;
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;






&lt;h2&gt;
  
  
  11. The Final Architecture
&lt;/h2&gt;

&lt;p&gt;Here's what we built:&lt;br&gt;
&lt;/p&gt;

&lt;div class="highlight js-code-highlight"&gt;
&lt;pre class="highlight plaintext"&gt;&lt;code&gt;                     ┌──────────────────────┐
                     │     Developer        │
                     │  (pushes to Git)     │
                     └──────────┬───────────┘
                                │
                                ▼
                     ┌──────────────────────┐
                     │   GitHub + CI/CD     │
                     │  Test → Build → Push │
                     └──────────┬───────────┘
                                │
                                ▼
                     ┌──────────────────────┐
                     │  Docker Container    │
                     │  ┌────────────────┐  │
                     │  │   FastAPI API   │  │
                     │  │  + ML Model     │  │
                     │  │  + Logging      │  │
                     │  └────────────────┘  │
                     └──────────┬───────────┘
                                │
                     ┌──────────┴───────────┐
                     ▼                      ▼
              ┌─────────────┐      ┌───────────────┐
              │ Predictions │      │  Log Storage   │
              │ to clients  │      │  (for drift)   │
              └─────────────┘      └───────┬───────┘
                                           ▼
                                  ┌───────────────┐
                                  │ Drift Analysis │
                                  │ + Performance  │
                                  │   Monitoring   │
                                  └───────────────┘
&lt;/code&gt;&lt;/pre&gt;

&lt;/div&gt;



&lt;p&gt;&lt;strong&gt;Every component solves a real problem:&lt;/strong&gt;&lt;/p&gt;

&lt;div class="table-wrapper-paragraph"&gt;&lt;table&gt;
&lt;thead&gt;
&lt;tr&gt;
&lt;th&gt;Component&lt;/th&gt;
&lt;th&gt;Problem It Solves&lt;/th&gt;
&lt;/tr&gt;
&lt;/thead&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;Git + GitHub&lt;/td&gt;
&lt;td&gt;"What changed and when?"&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;FastAPI + Pydantic&lt;/td&gt;
&lt;td&gt;"How do others use the model safely?"&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Pytest&lt;/td&gt;
&lt;td&gt;"Will this change break something?"&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Docker&lt;/td&gt;
&lt;td&gt;"It works on my machine" → works everywhere&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;GitHub Actions&lt;/td&gt;
&lt;td&gt;"Did someone forget to run tests?"&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;JSON Logging&lt;/td&gt;
&lt;td&gt;"What's happening in production?"&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;Evidently AI&lt;/td&gt;
&lt;td&gt;"Is the model still relevant?"&lt;/td&gt;
&lt;/tr&gt;
&lt;tr&gt;
&lt;td&gt;ONNX Runtime&lt;/td&gt;
&lt;td&gt;"Can we make it faster?"&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;&lt;/div&gt;




&lt;h2&gt;
  
  
  12. Let's conclude
&lt;/h2&gt;

&lt;p&gt;After spending a weekend on this (and impressing the Fiverr client), here's what stuck:&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Architecture:&lt;/strong&gt; Start simple, iterate. Get a basic API working before adding Docker and CI/CD. Each layer builds on the previous one.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Performance:&lt;/strong&gt; Load the model once at startup, never per request. This single choice can make your API 100x faster.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Testing:&lt;/strong&gt; Test for both valid AND invalid inputs. Your API will receive data you never imagined.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Deployment:&lt;/strong&gt; Docker eliminates "works on my machine." CI/CD makes it impossible to deploy broken code accidentally.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Monitoring:&lt;/strong&gt; A deployed model without monitoring is a ticking time bomb. Data drift is real and it's silent.&lt;/p&gt;

&lt;p&gt;&lt;strong&gt;Optimization:&lt;/strong&gt; Always profile before optimizing. Measure, don't guess. And always verify that optimization doesn't change predictions.&lt;/p&gt;




&lt;h2&gt;
  
  
  Resources
&lt;/h2&gt;

&lt;ul&gt;
&lt;li&gt;&lt;a href="https://fastapi.tiangolo.com/" rel="noopener noreferrer"&gt;FastAPI Documentation&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://docs.docker.com/get-started/" rel="noopener noreferrer"&gt;Docker Get Started&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://docs.github.com/en/actions" rel="noopener noreferrer"&gt;GitHub Actions&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://docs.evidentlyai.com/" rel="noopener noreferrer"&gt;Evidently AI&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://onnxruntime.ai/" rel="noopener noreferrer"&gt;ONNX Runtime&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://docs.pydantic.dev/" rel="noopener noreferrer"&gt;Pydantic V2&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://docs.pytest.org/" rel="noopener noreferrer"&gt;Pytest&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href="https://scikit-learn.org/stable/modules/generated/sklearn.pipeline.Pipeline.html" rel="noopener noreferrer"&gt;scikit-learn Pipelines&lt;/a&gt;&lt;/li&gt;
&lt;/ul&gt;




&lt;p&gt;&lt;em&gt;If you found this useful, feel free to clap or share. I'm always happy to chat about MLOps and the messy reality of putting ML models into production.&lt;/em&gt;&lt;/p&gt;

&lt;p&gt;&lt;em&gt;The complete code is available on &lt;a href="https://github.com/" rel="noopener noreferrer"&gt;GitHub&lt;/a&gt;.&lt;/em&gt;&lt;/p&gt;

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