Total Loan Portfolio
50,000
Simulated Records
High-Risk Exposure
14.2%
Of Total Borrowers
Inquiry Risk Multiplier
2.4x
For 3+ Inquiries (6M)
Reporting Prep Time
< 20 Mins
Reduced from 3 Hours
Borrower Risk Stratification
Default Rate by Recent Inquiries (6 Months)
Key Analytical Insights & Underwriting Actions
- Cohort Discovery: Accounts with 3+ credit inquiries within the last 6 months demonstrated a 2.4x higher default rate compared to the baseline portfolio.
- Scorecard Implementation: Deployed a weighted scoring model using DTI, credit utilisation, and employment tenure to classify applicants into Low, Medium, and High-risk tiers.
- Operational Efficiency: Automated exception-flagging and data validation pipelines via VBA, shrinking the monthly risk reporting cycle from 3 hours to under 20 minutes.