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Creating a credit scoring model to manage, understand, and model credit risk that will be handled optimally.

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fajrinovi/HomeCredit-Scorecard-Model

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HomeCredit-Scorecard-Model

Project Background:

Financial institutions provide credit services to meet the needs of society, both consumptive and productive. Many people struggle to get a loan because of insufficient or non-existent credit history. Home Credit makes use of a variety of alternative data to predict their clients' repayment abilities to ensure their clients have a positive loan experience. So that will ensure that clients who are able to pay back are not turned down and loans are provided with a principal, maturity, and repayment schedule that will empower their clients to succeed.

Tools:

Python, JupyterLab, Git

About Home Credit Indonesia

PT Home Credit Indonesia is a finance company that provides financing services for customers who shop online or offline. We also provide financing for our loyal customers so that they can meet their financial needs.

We provide in-store financing (non-cash on-site financing) for consumers who wish to purchase products such as household appliances, electronic equipment, mobile phones, and furniture. In addition, we also provide financing that we offer to our loyal customers. As our distribution network grows, our product range will also grow.

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Creating a credit scoring model to manage, understand, and model credit risk that will be handled optimally.

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