Default Risk using Deep Learning

Many people struggle to get loans due to insufficient or non-existent credit histories. And, unfortunately, this population is often taken advantage of by untrustworthy lenders. Companies like Home Credit strives to broaden financial inclusion for the unbanked population by providing a positive and safe borrowing experience. In order to make sure this underserved population has a positive loan experience, Home Credit makes use of a variety of alternative data (e.g., including telco and transactional information) to predict their clients' repayment abilities. By using various Statistical, Machine Learning and Deep learning methods we unlock the full potential of their data.