-
Notifications
You must be signed in to change notification settings - Fork 0
/
index.html
142 lines (123 loc) · 6.04 KB
/
index.html
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
125
126
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
<!DOCTYPE html>
<html lang="en">
<head>
<title>Delinquency Model</title>
<link rel="icon" href="images/favicon.ico">
<style>
.owndiv {
/* max-width: 400px;
min-width: 100px; */
max-width: 80%;
background-color: white;
border: 5px outset navy;
text-align: center;
margin:0 auto;
/* font-weight: bold; */
/* font-style: italic; */
/* font-family: Calibri; */
}
p {max-width: 80%;
font-family: Calibri;
text="#020652";
margin:0 auto;
}
</style>
</head>
<body text="#000000" bgcolor="#FFFFFF" link="#6666ff" vlink="#623c85" alink="#FF0000">
<center><h1>Delinquency Model</h1></center>
<center><h2>By: <a href="https://www.linkedin.com/in/yesdeepakmittal/"target="_blank">Deepak Mittal</a></h2></center>
<p>Analysis Date: November 01, 2020</p>
<p><br>
<hr WIDTH="100%">
<p><br>
<div class="owndiv">
<h2>What is delinquency?</h2>
<p>It is a condition when a person is unable to do an expected activity at its scheduled time.
Our study relates to the prediction of loan transactions whether a customer will pay back the loan on its scheduled time or not.
It also includes how different parameters affect delinquency.</p>
<p><br>
</div>
<p><br>
<div class="owndiv">
<h2>Heat Map</h2>
<p>Heat map shows the relation between features and its magnitude using the column bar.</p>
<img src="images/heatmap.PNG" alt="Heat Map" width="700" height="700">
</div>
<p><br>
<div class="owndiv">
<h2>Data Analysis</h2>
<p>No doubt, delinquency depends upon the various factor, some of these factors are discussed below.</p>
<p><br>
<h4>1. Daily amount spent</h4>
<img src="images/daily_decr30.PNG" alt="Daily amount spent">
<p>It is less risky to loan someone whose 30-day average of daily amount spent from main account is greater than 40000.</p>
<p><br>
<h4>2. Main account balance(30 days)</h4>
<img src="images/rental30.PNG" alt="Main account balance(30 days)">
<p>It is less risky to loan someone whose average main account balance over last 30 days is greater than 50000.</p>
<p><br>
<h4>3. Count main account recharge(30 days)</h4>
<img src="images/cnt_ma_rech30.PNG" alt="Count main account recharge(30 days)">
<p>It is less risky to loan someone who got recharged main account for more than 25 times in the last 30 days.</p>
<p><br>
<h4>4. Sum main account recharge(30 days)</h4>
<img src="images/sumamnt_ma_rech30.PNG" alt="Sum main account recharge(30 days)">
<p>It is less risky to loan someone whose total amount of recharge in the main account over last 30 days is greater than 60000.</p>
<p><br>
<h4>5. Count main account recharge(90 days)</h4>
<img src="images/cnt_ma_rech90.PNG" alt="Count main account recharge(90 days)">
<p> It is less risky to loan someone whose main account got recharged for more than 50 times in the last 90 days.</p>
<p><br>
<h4>6. Sum main account recharge(90 days)</h4>
<img src="images/sumamnt_ma_rech90.PNG" alt="Sum main account recharge(90 days)">
<p>It is less risky to loan someone whose total amount of recharge in the main account over last 90 days is greater than 100000.</p>
<p><br>
<h4>7. Count loans(30 days)</h4>
<img src="images/cnt_loans30.PNG" alt="Count loans(30 days)">
<p> It is less risky to loan someone who had taken loan for more than 20 times in the last 30 days.</p>
<p><br>
<h4>8. Total amount(30 days)</h4>
<img src="images/amnt_loans30.PNG" alt="Total amount(30 days)f">
<p>It is less risky to loan someone whose total amount of loan in the last 30 days is greater than 100.</p>
<p><br>
</div>
<p><br>
<div class="owndiv">
<h2>Machine Learning Modeling</h2>
<h4>1. ExtraTreesClassifier</h4>
<img src="images/etf_dist.PNG" alt="ExtraTreesClassifier Distribution">
<img src="images/etf_fi.png" alt="ExtraTreesClassifier Features importance"width="700" height="600">
<p><br>
<h4>2. RandomForestClassifier</h4>
<img src="images/rfc_dist.PNG" alt="RandomForestClassifier Distribution">
<img src="images/rfc_fi.png" alt="RandomForestClassifier Features importance" width="700" height="600">
<p><br>
<h4>3. GradientBoostingClassifier</h4>
<img src="images/gbc_dist.PNG" alt="GradientBoostingClassifier Distribution">
<img src="images/gbc_fi.png" alt="GradientBoostingClassifier Features importance" width="700" height="600">
<p><br>
<h4>4. LogisticsRegression</h4>
<img src="images/lr_dist.PNG" alt="LogisticsRegression Distribution">
<p><br>
<h4>5. DecisionTreeClassifier</h4>
<img src="images/dtc_dist.PNG" alt="DecisionTreeClassifier Distribution">
<img src="images/dtc_fi.png" alt="DecisionTreeClassifier Features importance" width="700" height="600">
<p><br>
<h4>6. SupportVectorClassifier</h4>
<img src="images/svc_dist.PNG" alt="SupportVectorClassifier Distribution">
<p><br>
<h4>7. KNeighborsClassifier</h4>
<img src="images/knn_dist.PNG" alt="KNeighborsClassifier Distribution">
<p><br><br>
<h3>Model scores</h3>
<img src="images/models.PNG" alt="Models">
<p><br>
</div>
<p><br>
<p><br>
<hr WIDTH="100%">
<p><br>
<center><p>Webpage Maintained & Designed by <a href="https://www.linkedin.com/in/yesdeepakmittal/"target="_blank">Deepak Mittal</a> | <a href="https://github.com/yesdeepakmittal/delinquencymodel"target="_blank">Complete Code</a></p></center>
<center><p>Data Source: <a href="https://www.algo8.ai/" target="_blank">algo8.ai</a></p></center>
</body>
</html>