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resource-default-05

Credit Default Rates

DataRobot operationalizes real-time loan assessment by automating model building to predict the likelihood of future default.

Individuals or businesses often need loans. Making accurate judgments on the likelihood of default is the difference between a successful and unsuccessful loan portfolio.

Problem/Pain

People with years of experience can judge someone’s likelihood of default, but that is not an efficient method for judgement as you grow a business. Increasing the value and number of loans is difficult without a scalable method in place to judge the default risk of many applicants.

Solution

DataRobot uses past information about borrowers’ default rates to predict the likelihood of default for future borrowers. Incorporating the predictive models built with DataRobot into a real-time loan approval process is easy, allowing businesses to scale up and expand their loan portfolios.

Why DataRobot

DataRobot makes it easy to build and deploy default rate-based models, automating real-time applicant risk predictions.

Learn More About AI in Banking