# Personal Loan Credit Risk

## Objective
The objective of this project was to improve the credit risk assessment model of Kredivo’s Personal Loan (PL) product. The PL product is a credit offering where users can borrow hard cash if they pass the risk assessment. Users can borrow hard cash with a tenure of 3 or 6 months. If a user’s application for a PL passes the risk assessment, the money is transferred directly to their personal bank accounts. Otherwise the user is barred from applying for a PL for the next 3 months.

Please read the "Personal Loan Credit Risk Model Explanation.pdf" document for a complete explanation.