Lending club case study objective to help company determine risk factors and trends seen to avoid loan defaults

• General Info
• Technologies Used
• Conclusions

● Lending Club company is the largest online loan marketplace.
● They finance personal loans, business loans and finances medical procedures.
● They have online interface to allow borrower easy accessibility
● They offer loan at lower interest rate than market rate

Below are few indicators of a Risky application / applications that can default:
● Applicants with lower grades requesting for high loan amount
● Applicants whose home ownership is MORTGAGE and having income range of 60-70k
● If applicants purpose of loan is for Small Business / Debt Consolidation (loan amount > 12k), Home / House Improvement (loan amount > 10k)
● Applicants Loan requirement >12k and has low grades E, F, G
● Applicants which are verified and are granted loan amount >15k
● Loan amount(>12k) for applicant having annual income >58k
● Loans which are having high interest rate range of 15-18% for term of 60 months

PYHON libraries - Pandas, Numpy, Matplotlib, SNS

Created by [@nkgs] - feel free to contact me!