Micro-loan Selection and Recommendation Capital Management
Customer Challenges:
- How select microloans on peer-to-peer lending platform which can give maximum ROI?
- What are the drivers for the maximum ROI?
Result:
- 5% increase in ROI compared to average return
- Increase in Customer Satisfaction and Retention
CoreView Solution:
- Analysis of data on microloan allocation and return on investment on peer-to-peer lending platform for 5 years
- Feature engineering – Pincode data, external data such as macroeconomics, employment data etc.
- Python & Tensor Flow – Unsupervised learning and transfer learning, Random Forest, Clustering and NN models
- Intelligent recommender systems
Other Considerations:
- Microloan selection must be < 2 sec
- Difficult to measure the effect of external factors on ROI
