Consumer Banking Assignment 2

Credit Analysis Lecture
class, what do you understand about the importance of credit analysis?
credit analysis evaluates an applicant's loan request to determine the ability of the applicant to meet the debt obligation
Credit Analysis Lecture
Good job! Last question, why should alternative data be considered as part of credit evaluation?
credit analysis also involves the ability to make a credit decision to approve or disapprove in an environment of uncertainty/with incomplete information
Credit Analysis Lecture
Thats great! Now can anyone tell me the pain points of traditional credit analysis methods?
Character, Capital, Capacity, Condition, Collateral.eg if a person has little collateral, if the credit lending policy goes wrong, he has nothing to fall back on. Also, if a person has little capital. the credit lending policy would be difficult for him to afford.
Credit Analysis Lecture
Credit Analysis Lecture
In case there are customers who have poor rating within the 5 Cs, these who have alternative data can also be considered for credit evaluation and under the credit lending policy
alternative data refers to any data that is not directly related to a consumer behaviour
Credit Analysis Lecture
examples of alternative data are transaction data, rent data, social profile data
That's correct!

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