In base of the work of Naeem Siddiqi, the author of “Credit Risk Scorecards Developing and Implementing Intelligent Credit Scoring”, we are going to propose a credit scoring model for credit cards in base of the data from the bank Interbank. The purpose of the model is to find a credit profile for each customer in order to predict the default risk od the portalio. This model is going to be elaborate using python. Also the main inspiration of the structure is in base of an article How to Develop a Credit Risk Model and Scorecard. It’s importan to know that this model is not going to be used to evaluate the customer performance. This is because is the first implement data science in the are of information services. Also, the models are auditated by the SVM in Peru, so its important to clarify thats this model, in this moment is not for decision taking.
