Pinned Repositories
authentication
Authentication using Spring Boot 3 and Angular 16
be_lazy
Short utility code for daily practice
BookBank
Books
Books-3
cocktails-graphcms-react
A Demo App built for an Article on Guide to React Router
coding-interview
Data structure related Algo in java
Credit-EDA-Project-Upgrad
Problem Statement - I Introduction: This case study aims to give you an idea of applying EDA in a real business scenario. In this case study, apart from applying the techniques that you have learnt in the EDA module, you will also develop a basic understanding of risk analytics in banking and financial services and understand how data is used to minimise the risk of losing money while lending to customers. Business Understanding: The loan providing companies find it hard to give loans to the people due to their insufficient or non-existent credit history. Because of that, some consumers use it as their advantage by becoming a defaulter. Suppose you work for a consumer finance company which specialises in lending various types of loans to urban customers. You have to use EDA to analyse the patterns present in the data. This will ensure that the applicants are capable of repaying the loan are not rejected. When the company receives a loan application, the company has to decide for loan approval based on the applicant’s profile. Two types of risks are associated with the bank’s decision: If the applicant is likely to repay the loan, then not approving the loan results in a loss of business to the company If the applicant is not likely to repay the loan, i.e. he/she is likely to default, then approving the loan may lead to a financial loss for the company. The data given below contains the information about the loan application at the time of applying for the loan. It contains two types of scenarios: The client with payment difficulties: he/she had late payment more than X days on at least one of the first Y instalments of the loan in our sample, All other cases: All other cases when the payment is paid on time. When a client applies for a loan, there are four types of decisions that could be taken by the client/company): Approved: The Company has approved loan Application Cancelled: The client cancelled the application sometime during approval. Either the client changed her/his mind about the loan or in some cases due to a higher risk of the client he received worse pricing which he did not want. Refused: The company had rejected the loan (because the client does not meet their requirements etc.). Unused offer: Loan has been cancelled by the client but on different stages of the process. In this case study, you will use EDA to understand how consumer attributes and loan attributes influence the tendency of default. Business Objectives: This case study aims to identify patterns which indicate if a client has difficulty paying their installments which may be used for taking actions such as denying the loan, reducing the amount of loan, lending (to risky applicants) at a higher interest rate, etc. This will ensure that the consumers capable of repaying the loan are not rejected. Identification of such applicants using EDA is the aim of this case study. In other words, the company wants to understand the driving factors (or driver variables) behind loan default, i.e. the variables which are strong indicators of default. The company can utilise this knowledge for its portfolio and risk assessment. To develop your understanding of the domain, you are advised to independently research a little about risk analytics - understanding the types of variables and their significance should be enough).
Data
devops
Basic and important command for Linux , docker and related to devops
pankajrajput1462's Repositories
pankajrajput1462/coding-interview
Data structure related Algo in java
pankajrajput1462/authentication
Authentication using Spring Boot 3 and Angular 16
pankajrajput1462/be_lazy
Short utility code for daily practice
pankajrajput1462/BookBank
Books
pankajrajput1462/Books-3
pankajrajput1462/cocktails-graphcms-react
A Demo App built for an Article on Guide to React Router
pankajrajput1462/Credit-EDA-Project-Upgrad
Problem Statement - I Introduction: This case study aims to give you an idea of applying EDA in a real business scenario. In this case study, apart from applying the techniques that you have learnt in the EDA module, you will also develop a basic understanding of risk analytics in banking and financial services and understand how data is used to minimise the risk of losing money while lending to customers. Business Understanding: The loan providing companies find it hard to give loans to the people due to their insufficient or non-existent credit history. Because of that, some consumers use it as their advantage by becoming a defaulter. Suppose you work for a consumer finance company which specialises in lending various types of loans to urban customers. You have to use EDA to analyse the patterns present in the data. This will ensure that the applicants are capable of repaying the loan are not rejected. When the company receives a loan application, the company has to decide for loan approval based on the applicant’s profile. Two types of risks are associated with the bank’s decision: If the applicant is likely to repay the loan, then not approving the loan results in a loss of business to the company If the applicant is not likely to repay the loan, i.e. he/she is likely to default, then approving the loan may lead to a financial loss for the company. The data given below contains the information about the loan application at the time of applying for the loan. It contains two types of scenarios: The client with payment difficulties: he/she had late payment more than X days on at least one of the first Y instalments of the loan in our sample, All other cases: All other cases when the payment is paid on time. When a client applies for a loan, there are four types of decisions that could be taken by the client/company): Approved: The Company has approved loan Application Cancelled: The client cancelled the application sometime during approval. Either the client changed her/his mind about the loan or in some cases due to a higher risk of the client he received worse pricing which he did not want. Refused: The company had rejected the loan (because the client does not meet their requirements etc.). Unused offer: Loan has been cancelled by the client but on different stages of the process. In this case study, you will use EDA to understand how consumer attributes and loan attributes influence the tendency of default. Business Objectives: This case study aims to identify patterns which indicate if a client has difficulty paying their installments which may be used for taking actions such as denying the loan, reducing the amount of loan, lending (to risky applicants) at a higher interest rate, etc. This will ensure that the consumers capable of repaying the loan are not rejected. Identification of such applicants using EDA is the aim of this case study. In other words, the company wants to understand the driving factors (or driver variables) behind loan default, i.e. the variables which are strong indicators of default. The company can utilise this knowledge for its portfolio and risk assessment. To develop your understanding of the domain, you are advised to independently research a little about risk analytics - understanding the types of variables and their significance should be enough).
pankajrajput1462/Data
pankajrajput1462/devops
Basic and important command for Linux , docker and related to devops
pankajrajput1462/Gesture-Recognition-Case-study-IIITB-Assignment-
A deeplearning based approach to classify human gestures for smart appliances.
pankajrajput1462/Internity-Summer-Internship-Work
Contains the work done by me during my Summer Internship 👨💻 with Internity Foundation in 2019 (June - July)
pankajrajput1462/interview
Interview questions
pankajrajput1462/javascript
Important javascript concept and learning
pankajrajput1462/pankajrajput1462
pankajrajput1462/Python-Data-Preprocessing
pankajrajput1462/spring-best-practice
Best practice of spring framework which contains different modules like spring-boot, spring-boot-mongodb,spring-boot-rabbit-mq etc.
pankajrajput1462/trendinapp-parent
pankajrajput1462/upgrad-big-data
Repository for Upgrad Hands-On Sessions