Analyzing Credit Risk
For many financial institutions, one key performance measure comes to mind more than any other: credit risk.
A person’s credit risk score is based on financial health factors including: available credit, debt, payment history, and length of credit history.
The financial factors not built into the credit score include income, bank balance, and emplo.
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What is credit risk modelling?
Credit risk modelling is foundational to understanding the probability of default or bankruptcy among public companies.
With COVID-19’s continued economic impact, innovative solutions that meet the rising challenges of managing and moderating credit risk are required.
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What Is The Distribution of Our Target Market Based on Our Credit Risk Model?
This shows the probability of good credit for various demographic factors.
Adjusting the filters above (when you're in Data Visualization Desktop) to gain an understanding of what is likely to result in good credit.
Each row is a person, so we can see that in our model, most people have a 52.85 or 55.26 percent probability of good credit.
From this.
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What Kinds of Loans Is Our Target Market Segment Interested in?
In this visualization, we set up a pivot table to target people with a high probability of good credit as our target segment.
Then we filter their credit history by delay, duly now, duly past, not taken, and risky.
From this, we can construct a treemap visualization to see the loan type of this target market segment.
We see that the most common typ.
