Add credit-risk-model skill 🤖🤖🤖

[W-Y-P]

Pull Request Checklist

• I have read and followed the CONTRIBUTING.md guidelines.
• I have read and followed the Guidance for submissions involving paid services.
• My contribution adds a new instruction, prompt, agent, skill, or workflow file in the correct directory.
• The file follows the required naming convention.
• The content is clearly structured and follows the example format.
• I have tested my instructions, prompt, agent, skill, or workflow with GitHub Copilot. Validated with the repository skill validator; not manually tested in GitHub Copilot.
• I have run npm start and verified that README.md is up to date. This PR was prepared from a sparse checkout; docs/README.skills.md was updated in the generated table format and validated.
• I am targeting the staged branch for this pull request.

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Description

Adds credit-risk-model, an end-to-end credit risk modeling skill for scorecards, WOE/logistic regression, LightGBM/XGBoost-style models, validation reporting, and strategy analysis.

Validation completed:

• npm run skill:validate
• git diff --check

Notes on automated validator warnings:

• The skill is intentionally comprehensive because credit-risk modeling needs intake, data splitting, feature engineering, validation, leakage checks, documentation, and strategy output in one workflow.
• The skill is workflow-oriented, so it does not include code snippets by default.

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Type of Contribution

• New instruction file.
• New prompt file.
• New agent file.
• New plugin.
• New skill file.
• New agentic workflow.
• Update to existing instruction, prompt, agent, plugin, skill, or workflow.
• Other (please specify):

---

Additional Notes

The skill is also published at https://github.com/W-Y-P/credit-risk-model and is intended for reusable credit-risk modeling workflows, including model validation reports and optional strategy output.

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By submitting this pull request, I confirm that my contribution abides by the Code of Conduct and will be licensed under the MIT License.

[github-actions]

🟡 Contributor Reputation Check: MEDIUM risk

Check	Risk
Profile	MEDIUM
Credential audit	NONE

Maintainers: please review this contributor before merging.
See the workflow run for full details.
Automated check powered by AGT.

[github-actions]

🔍 Skill Validator Results

⚠️ Warnings or advisories found

Scope	Checked
Skills	1
Agents	0
Total	1
Severity	Count
---	---:
❌ Errors	0
⚠️ Warnings	2
ℹ️ Advisories	0

Summary

Level	Finding
ℹ️	Found 1 skill(s)
ℹ️	[credit-risk-model] 📊 credit-risk-model: 6,783 BPE tokens [chars/4: 8,241] (comprehensive ✗), 18 sections, 0 code blocks
ℹ️	[credit-risk-model] ⚠ Skill is 6,783 BPE tokens (chars/4 estimate: 8,241) — "comprehensive" skills hurt performance by 2.9pp on average. Consider splitting into 2–3 focused skills.
ℹ️	[credit-risk-model] ⚠ No code blocks — agents perform better with concrete snippets and commands.
ℹ️	✅ All checks passed (1 skill(s))

Full validator output

```text Found 1 skill(s) [credit-risk-model] 📊 credit-risk-model: 6,783 BPE tokens [chars/4: 8,241] (comprehensive ✗), 18 sections, 0 code blocks [credit-risk-model] ⚠ Skill is 6,783 BPE tokens (chars/4 estimate: 8,241) — "comprehensive" skills hurt performance by 2.9pp on average. Consider splitting into 2–3 focused skills. [credit-risk-model] ⚠ No code blocks — agents perform better with concrete snippets and commands. ✅ All checks passed (1 skill(s)) ```

[github-actions]

🟡 Contributor Reputation Check: MEDIUM risk

Check	Risk
Profile	MEDIUM
Credential audit	NONE

Maintainers: please review this contributor before merging.
See the workflow run for full details.
Automated check powered by AGT.

[github-actions]

🟡 Contributor Reputation Check: MEDIUM risk

Check	Risk
Profile	MEDIUM
Credential audit	NONE

Maintainers: please review this contributor before merging.
See the workflow run for full details.
Automated check powered by AGT.

[github-actions]

🟡 Contributor Reputation Check: MEDIUM risk

Check	Risk
Profile	MEDIUM
Credential audit	NONE

Maintainers: please review this contributor before merging.
See the workflow run for full details.
Automated check powered by AGT.

[aaronpowell]

Overly narrow and doesn't fix in the repo.