I've been hired as a freelancer data scientist to work for an international digital bank called Alura Cash. At the first meeting, the financial management informs me that people are repeatedly defaulting after credits have been released. Therefore, I'm asked for a solution to decrease financial losses due to borrowers who do not pay their debts.
As a data scientist, I suggest a study around financial and loan application information aiming to find patterns that might indicate a possible default.
So, I request a dataset that contains informations of customer, loan application, credit history, as well as whether the borrower is delinquent or not. With this data, I know that I can model a classifier that can find potential delinquent customers and solve the Alura Cash's problem.
Notes:
- The dataset used in this project is provided by Alura, a Brazilian online education platform. The dataset is available in the Alura's Data Science challenge.
- All the data present in this project is fictional and was created by Alura on educational purposes.
- If you want to suggest any improvement, please feel free to open an issue or a pull request.
- I'm also available on LinkedIn, where you can find more information about me and my projects :)