Certificate of Completion
THIS ACKNOWLEDGES THAT
HAS COMPLETED THE FALL 2022 DATA SCIENCE BOOT CAMP
Roman Holowinsky, PhD
DECEMBER 14, 2022
Martin Molina, Alexander Timofeev
Credit risk assessment of individuals is traditionally determined using data such as age, income, education level, and FICO or Equifax credit scores. The increasing popularity of e-commerce and the large amount of bank card transaction data that can be collected and associated with clients these days suggest that a machine learning approach that incorporates this data can be useful for credit risk determination. Using real world data about bank card transactions and default history of other clients, we built a model to assess the credit risk of an applicant that requires only their bank card transaction history.