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Scorecard Analysis for Behaviour Credit Scoring

Learn end-to-end credit scoring, from business transactional financial data to the machine learning algorithms behind it.

  • Schedule

    24 – 26 June 2024

    18.30 – 21.30 (WIB)

  • Online-Interactive Learning

    Via Zoom

  • Investment

    Rp. 1.500.000

Course Summary

The utilization of data analytics for credit and banking case development has improved and revolutionized decision-making by credit departments to add efficiency to policy-making. The utilization of the analytics field has been in use for many years. However, due to the dynamic nature of the banking system itself, the collection, processing and analysis of the data used was largely manual. This manual approach creates difficulties for the team. To overcome this problem, a method that is fast and dynamic and able to utilize the information optimally is needed. Machine Learning method is one of the answers to overcome this problem.

Behavior Scoring in the context of credit refers to a method of evaluating the financial and payment behavior of an individual or borrower. Behavior scores are used by financial institutions to assess the extent to which an individual is consistent in paying loans or other financial obligations. This score can provide insight into a borrower’s propensity to pay on time, pay more than expected, or may have a history of inconsistent payments.

This 3-day online workshop is a beginner-friendly introduction, you will learn end-to-end credit scoring using transactional financial data from business to the machine learning behind that.

NOTE: This workshop will be delivered in Bahasa Indonesia.

Learning Outcomes

Upon completion of this workshop, you will be able to:

  • Work with R and tidyverse for data cleansing and manipulation processes.
  • Understand the scorecard development process 
  • Develop efficient and accurate credit risk scorecard models, enhancing decision-making in credit and banking environments.

Syllabus

  • Introduction to R for data science
  • Working with RStudio Environment
  • Understanding basic working with data and Data Pipeline
  • Data manipulation and processing with R dplyr
  • Relating Probabilities to Odds 
  • Logistic Regression from First Principles 
  • Logistic Regression in Action 
  • Practical Tips and Case Study 
  • Performance Evaluation and Model Selection
  • Random Forest
  • Bootstrap Aggregation
  • Variable selection in scorecard
  • Weight of evidence (woe) binning 
  • Scorecard scaling 
  • Performance evaluation
  • Setting the best cutoff for credit scoring on business

STUDENT TESTIMONIALS

This testimonial video is taken after our previous Online Data Science Series: Time Series Analysis for Business Forecasting.

LEARN FROM ANYWHERE

Our learning format is online-interactive, you will feel the interactive experience as if you were present in a physical classroom. You can access the class using your Zoom account on pre-defined dates.

  • LEARN AT YOUR OWN PACE

    Zoom recording, course Books (PDF & HTML files), the dataset for practice, reference notes, and working files are accessible through our Learning Management System account.

  • PROOF YOUR MASTERY

    Show current and prospective employers of your mastery in computer vision with a signed certificate of completion.

  • CONNECT WITH LIKE MINDED PEOPLE

    Be a part of our data-passionate community with 5000+ members and 1000+ alumni.

FOR ABSOLUTE BEGINNERS

Workshops in this series are tailored to casual programmers and non-programmers that are taking their first steps into data science. It assumes no prior knowledge or academic background, and attendees will be introduced to the beautiful art of writing R / Python code to produce data visualization and build machine learning models. The workshop has a gentle learning slope that is designed with non-technical professionals and academics in mind.

Yes, you can still attend the workshop as it is a beginner-friendly workshop.

Our system will send you an email containing a link and details to join a Google Classroom.

Online learning will be conducted via Zoom.us, Link to join the Zoom Class will be announced via Google Classroom.

Learning materials can be obtain via Google Classroom

Yes, you will receive a certificate of completion.

YOUR INSTRUCTOR

Rany Dwi Cahyaningtyas

Rany Dwi Cahyaningtyas ia a Senior Data Science Instructor with experience in programming languages such as R, Python, and SQL, she has demonstrated her expertise through leading various academic and corporate training sessions across a wide array of sectors, such as finance, banking, telecommunication, and retail. With a blend of technical expertise and a passion for education, Rany has been essential in delivering consultative training in data science to a wide array of esteemed clients and helped these companies make informed and strategic business decisions based on data.