Traditional banking risk assessment lead to make bad credit decisions because of obsolete scoring models based only on traditional data. Libbo is a data-driven model built to score the employability of the applicants lacking enough credit history. Libbo has created a machine learning-based predictive model relying on alternative trustworthy data coming from job and education sources in order to find out the user’s potential to repay a loan. Libbo is a risk minimizer tool for financial lenders that creates a user profiling to eventually detect better borrowers who were being wrongly excluded and to reject risky applicants misclassified as creditworthy under traditional scoring models.