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Credit Card Approval Prediction Model

The document discusses building a machine learning model using past credit card approval and decline data from three bank branches to predict whether new credit card requests should be approved or declined. The model will be trained on customer data including demographic information, estimated income, credit scores, and other financial metrics to learn which factors indicate higher or lower credit risk. The goal is to automate credit decisions to reduce bank expenses while still identifying customers who should be approved for credit cards.

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Rajat khare
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2 views1 page

Credit Card Approval Prediction Model

The document discusses building a machine learning model using past credit card approval and decline data from three bank branches to predict whether new credit card requests should be approved or declined. The model will be trained on customer data including demographic information, estimated income, credit scores, and other financial metrics to learn which factors indicate higher or lower credit risk. The goal is to automate credit decisions to reduce bank expenses while still identifying customers who should be approved for credit cards.

Uploaded by

Rajat khare
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd

Credit Card Allocation Case Study

We have a list of files where the credit cards have been either approved or declined on request by
customers to a specific bank. However, this needs a lot of operational processes to be done and
results in a lot of expense for any bank. Hence, we are now requested to use machine learning to
deliver a model to learn from the past data and decide which customers to approve/decline the
credit card requests.

We have been supplied data from three different branches of the banks. We will use this data to
learn from the data and produce results for the new data which the bank gives us.

In this assignment we’ll be dealing with data collected over several months which contain
following information:

• Cutomer_id: Customer Identification Number of the client


• Demographic_Slice: Demographic Area
• Country_reg: Country Region
• Ad_exp: Advertisement Experience
• Est_Income: Estimated Income
• Hold_Bal: Holding Balance
• Pref_cust_prob: Preferred Customer Probability
• Imp_Cscore: Credit Score
• Risk_Score: Risk Score
• Imp_crediteval: Credit Evaluation Score
• Axio_score: Axio Score
• Card_Offer: Card Offer

You are going to build a model for predicting “card_offer”, to decide which customers should be
honored with their request and which should be declined.

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