Client is a leading consumer bank offering services across six verticals, namely, corporate and institutional banking, commercial banking, branch and business banking, retail assets, development banking and financial inclusion, treasury and financial market operations.
The client wanted to analyze the health of its housing loan portfolio in order to identify high-risk customers and proactively implement loss mitigation strategies.
TransOrg conducted customer 360 analysis and loan portfolio risk segmentation by using various machine learning models and advanced analytics techniques to:
- Identify customers with poor credit history and with high probability of default.
- Monitor and track the risk of the customer portfolio.
- Assess the viability of the interest rates offered to customers.
- Calculate the probability of a customer turning delinquent and forecast the value of the delinquency predicted.