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EDA & Classic ML
Lending Business Case Study
EDA on 2007–2011 lending data to identify default drivers
Exploratory data analysis of a real lending portfolio — amount-to-income ratio, revolving utilisation, derogatory records, and loan purpose as key default signals. Univariate, bivariate, and trivariate analysis across 14.16% overall default rate; Spain flagged at 18.31%.
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How it was built
Lending Business Case Study, from first question to shipped.
StatusShippedall stages complete
Stages4 / 4frame to ship
Headline14.16%overall default rate
Frame Passed
- Exploratory analysis of a real 2007 to 2011 lending portfolio
- Goal: identify default drivers
Build Passed
- Univariate, bivariate and trivariate analysis
Validate Passed
- 14.16% overall default rate
- Spain flagged at 18.31%
Ship Passed
- Key signals: amount-to-income ratio, revolving utilisation, derogatory records and loan purpose