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Loan Approval Augmented Analytics Use Case - Smarten

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The application of predictive analytics for loan approval and management is an important aspect of decision-making.

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Loan Approval Augmented Analytics Use Case - Smarten

  1. 1. Loan Approval Predictive Analytics Use Case
  2. 2. A bank or financial company can determine what type of loan applicants are most likely to default, and which ones are most likely to pay on time. This technique can be used to predict whether a particular customer will default, and when it will happen and to understand why particular customers default. Loan Approval Sample Application Description
  3. 3. Target Past history and loan status of a customer Loan Approval Sample Application
  4. 4. • Demographic info about customers – gender, age education, marital status, occupation • Customer bank account details • Past history and existing loan details Influencing Factors Loan Approval Sample Application
  5. 5. Binary Logistic Regression is the method used for classifying numeric and/or categorical data into two groups based on predefined categories. • Higher classification accuracy (>=70%) means the results are reliable and accurate. • Lower classification accuracy (<70%) means the model needs to be rebuilt using different input parameters. Algorithm(s) Loan Approval Sample Application
  6. 6. Model Visualisation Loan Approval Sample Application
  7. 7. Model Visualisation Loan Approval Sample Application
  8. 8. Model Visualisation Loan Approval Sample Application
  9. 9. Model Summary Loan Approval Sample Application
  10. 10. Interpretation Loan Approval Sample Application
  11. 11. Result • Likelihood/ probability of a default. • Flag containing ‘likely to default’ and ’unlikely to default’ information with ‘yes’ and ‘no’ values. Loan Approval Sample Application
  12. 12. Result Default prediction with probability value can be performed using APPLY functionality shown below Loan Approval Sample Application
  13. 13. Result Loan Approval Sample Application
  14. 14. Loan Approval Predictive Analytics Use Case For more information, contact us today. www.Smarten.com contact@Smarten.com Smarten – Loan Approval Use Case - 2019

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