- Predict Creditworthiness: Determine if a customer meets the credit underwriting criteria of LendingClub.com.
- Data Visualization/EDA: Perform exploratory data analysis and visualization to understand the data.
- Model Deployment: Save the trained model for use in the company's other applications.
-
credit.policy: 1 if the customer meets the credit underwriting criteria of LendingClub.com, and 0 otherwise. (target)
-
purpose: The purpose of the loan (takes values "credit_card", "debt_consolidation", "educational", "major_purchase", "small_business", and "all_other").
-
int.rate: The interest rate of the loan, as a proportion (a rate of 11% would be stored as 0.11). Borrowers judged by LendingClub.com to be more risky are assigned higher interest rates.
-
installment: The monthly installments owed by the borrower if the loan is funded.
-
log.annual.inc: The natural log of the self-reported annual income of the borrower.
-
dti: The debt-to-income ratio of the borrower (amount of debt divided by annual income).
-
fico: The FICO credit score of the borrower.
-
days.with.cr.line: The number of days the borrower has had a credit line.
-
revol.bal: The borrower's revolving balance (amount unpaid at the end of the credit card billing cycle).
-
revol.util: The borrower's revolving line utilization rate (the amount of the credit line used relative to total credit available).
-
inq.last.6mths: The borrower's number of inquiries by creditors in the last 6 months.
-
delinq.2yrs: The number of times the borrower had been 30+ days past due on a payment in the past 2 years.
-
pub.rec: The borrower's number of derogatory public records (bankruptcy filings, tax liens, or judgments).