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ML Project Plan of Action

The document discusses analyzing credit risk on individual loans to maximize return on investment and minimize financial risk for a lending firm. It describes cleaning a credit risk dataset containing over 100 attributes from 2009 to 2019, performing exploratory data analysis including univariate, bivariate and multivariate analysis, and building models using linear regression, logistic regression, random forest classification and ridge regression to analyze credit risk and deployment.

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Korla Nikhil
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23 views2 pages

ML Project Plan of Action

The document discusses analyzing credit risk on individual loans to maximize return on investment and minimize financial risk for a lending firm. It describes cleaning a credit risk dataset containing over 100 attributes from 2009 to 2019, performing exploratory data analysis including univariate, bivariate and multivariate analysis, and building models using linear regression, logistic regression, random forest classification and ridge regression to analyze credit risk and deployment.

Uploaded by

Korla Nikhil
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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CREDIT RISK ANALYSIS

Credits risks be analyse for measuring the possibility of a loss as result of borrower failing to
repay a loan or meeting the loan obligations. The more the credit risks, the more it has a
negative impact on the performance of a bank. The credit risk analysis be important cause it
allows the bank to plan strategies to avoid a negative outcome ahead in the future.

In this project, we analyzed the credit risks on individual loans, maximizing' the Return on
Investment (ROI) by predicting an Eligible Loan Amount and minimizing' the financial risk
between the lending firm Bandora and the borrowers. Machine Learning to accomplish the
objective of credit risk analysis.

The dataset contains the individual loan details from 2009 to 2019 having both the defaulted
and non-defaulted loans

The dataset has 112 attributes

My further plan of action:

1. Clean the data set removing all the errors and replacing all the N/A and filling it with
mean,median,mode values.
2. To perform an Exploratory Data Analysis (EDA).
Univariate Analysis
Bivariate Analysis
Multivariate Analysis

 In univariate we will perform some graphs using matplotlib and seaborn.


 In bivariate analysis we will perform we will try to observe the relationship
between two variables.
 In multivariant analysis we will perform the relation and trend among multiple
features is analyzed at same time to get insights into the dataset.
3. Model Building

We will use different ml algorithm to build our model here i have decided to use

Linear Regression
Logistic Regression
Random Forest Classifier (Decision tree)
Finally, 2 pipelines will be deployed:
Random Forest Classifier (Binary Classification)
Ridge Regression for multi targets (EMI, ELA, ROI)
And finally, Deployment.

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