Loan Default Risk Analysis Project (Horizon Financial Group)
Performed loan default risk dataset preparation by cleaning and merging borrower and loan performance data to support credit risk analysis. Analyzed loan characteristics and repayment outcomes by segmenting across credit score, DTI, employment status, and loan purpose. Built interactive visualizations to communicate default-rate patterns and risk drivers for stakeholder decision-making. • Cleaned and merged borrower and loan datasets • Segmented analysis by credit score, DTI, employment status, and purpose • Created visualizations (default rate, DTI scatter, purpose charts) • Delivered recommendations to VP of Risk to improve underwriting and credit scoring