Application Scoring

Assessment of the probability of default on a loan being considered, based on the application data from the Bureau’s partners, as well as based on the credit history

This decision is particularly useful for assessing the risk of issuing a credit to borrowers whose credit history is either uninformative or absent.

Contents
Identification

Borrower’s current ID data and the history of changes made to it.

Scoring

A value from 0 to 1 that determines the probability of late payments of over 100 UAH that are at least 30 days past due within a 6-month period on a credit by a microfinance institution.

Model
Target function
Late payment of over 100 UAH at least 90 days past due within a 12-month period
Predictors
Credit history characteristics
Method
Gradient boosting
0.79
ROC-AUC
0.49
KS
Default probability based on scoring
Application Scoring
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