HARDIK R PATEL 2025. CLOUD-NATIVE RISK ANALYTICS AT SCALE: KUBERNETES-BASED DISTRIBUTED SYSTEMS FOR ACCELERATING CREDITRISK MODELING IN FINANCIAL INSTITUTIONS. IPHO-Journal of Advance Research in Science And Engineering . 3, 11 (Nov. 2025), 09–19. DOI:https://doi.org/10.5281/zenodo.17577633.