Risk: High

Starting as an AI Credit Scoring Developer from scratch can be quite risky, especially for someone who can't afford to lose money. There are potential losses in terms of money invested in resources, time spent on learning and development, energy dedicated to building the business, and confidence if the venture doesn't succeed. Beginners might spend money on courses, software tools, or data sources without receiving any returns. There are startup costs that may not pay off if the business doesn't gain traction or generate revenue. Online sources mention instances of individuals failing or losing money due to the competitive nature of the industry and challenges in establishing a client base. I'd rate the risk a 1 out of 3 because of the significant financial and time investments required with no guaranteed returns, making it a high-risk endeavor for newcomers.