The project focuses on company "Lending Club" business model analysis through various methods such as the Balance scorecard etc. It also suggests better methods to improve the team strategy at the company.

1. Business intelligence 850 Group Project
Leveraging Business Intelligence in P2P
Lending
By
Brad Mooney
Denil Patel
Shitanshu Goel
Xingye Shao

2. A Lean Strategy
1. Collecting fee from borrowers and investors.
2. Lean cost structure to provide competitive services to customers
3. No physical branches and kept functions electronic and highly
automated.
“Banks are inefficient. It’s just not profitable for them to make a $10,000
loan.”

3. Balanced Scorecard for XYZ Club
1. Financial Perspective
2. Learning & Growth
Perspective
3. Internal Processes
Perspective
4. Customer
Perspective

4. The Process of making connections
1. Must have minimum FICO score and debt-to-income ratio below 35%
2. Used various fraud detection systems for screening borrowers.
3. Then the loan request is kept on the website for investors to evaluate(14 days).
4. The listing includes intended use of proceeds, FICO Score, Home Ownership
status, income, debt-to-income ratio, and employment.
5. Investors relied upon information provided by borrower members as well as
data provided by XYZ Club from data services such as credit reporting
agencies.

5. Learning and Growth
1. XYZ Club was incorporated in October 2006 and began operations
in May 2007 as a service on Facebook
2. March 2009, the company introduced the first Self-Directed
Individual Retirement Account for investments in P2P loans.
3. May 31, 2013, XYZ Club had five funds with a total of $488 million
4. Future Growth -- Institutional investors

6. Turning Objectives into KPI’s
Financial objectives: Gross Profit Margin, Customer Profitability, and Default
rate
Learning and growth objectives: Employee training, IT Costs, and Employee
Satisfaction
Internal Process objectives: Adherence to policy, Mitigating risk, and Data
management
Customer objectives: Enhanced customer service, Leveraging IT Capabilities
and Market Share

8. Club’s BI
1.SAS
a. Credit Risk analysis, Market rates assessments, Customer intelligence
b. SAS Enterprise GRC & SAS Enterprise Risk Management components
1.HADOOP
a. HADOOP Distributed file system (HDFS)
b. MapReduce

9. BI team at XYZ Club

10. Strength
Presence of strong leadership
Weakness
Traditional BI is scalable but not agile
“BI projects demand different types of roles, more than traditional development
projects, and we need to be very mindful of putting the right people in the right
roles”

11. Areas for Improvement
Infrastructure:
Organizational Culture
Structures:
Degree of centralization
Processes:
Building org. Support
Education
Hybrid Bus/IT Teams

12. Overall Recommendation

13. Thank you