Lower your risks

by Yazeed Alsulayhim

Dataset

This data set contains 113,937 loans with 81 variables on each loan, including loan amount, borrower rate (or interest rate), current loan status, borrower income, and many others. In my analysis I used 23 out of the 81 variables.

Summary of Findings

After conducting the analysis I found that:

1. having a job that pays well will difenatly decrease the apr.
2. owing a home will decrease the apr.
3. Living in specific states has a significant effect on the apr score
4. One's persoal financial history is curical when deciding the apr% (Credit History)
5. A way for people with bad occupations to stand out in have a low apr is to own a house in states known for having low apr precentages such as [Iowa, Maine, Washington, D.C.]
6. To have a low prosper score you must be careful with you credit utilization ration. also a low number of delequint accounts would lead to a much higher prosper score.

Key Insights for Presentation

The main goal of the presentation is to show how to lower your risks in loans. How to lower your apr.

1. I'll first show that occupations matter greatly in this process.
2. Then i'll show how you can score a low apr while having a bad occupation.
3. Then i'll show how you can generally have a lower propser score which is our main risk variable.