The Role Systems Have in Ensuring ComplianceNostrumGroup
This document discusses the role of technology in ensuring compliance for financial institutions. It outlines the objectives of the Financial Conduct Authority (FCA) to make markets work well and put customers first. It then discusses how technology can help with loan origination, servicing, collections, reporting, conduct, complaints handling, and diversification of loan products to ensure compliance with FCA regulations. The document concludes by urging readers to respond to an upcoming FCA consultation, work with trade associations, and prepare for regulatory changes.
Understanding the Full Lending Performance CycleBaker Hill
Most people see only one piece of the financial institution’s inner workings. This session will outline the full lending cycle and where performance is measured throughout
The document discusses a presentation about accounting software for nonprofits featuring Sage Intacct. It includes an agenda covering grant management requirements, field office accounting challenges, federal reporting and compliance, and a demo of Intacct. The presentation objectives are to identify challenges for nonprofits and how Intacct can help with grant management and accounting. Attendees are polled on their organization size, current systems, and desired improvements. Raffa is introduced as a consulting firm that supports over 1,600 nonprofits with accounting systems and other services.
This recipe provides directions for making a peanut butter and strawberry jam sandwich along with some context about the ingredients. It suggests spreading peanut butter on one slice of bread and strawberry jam on the other slice before putting the sandwich together. The document also notes that a survey found strawberry jam to be the most popular topping for peanut butter according to 46 out of 100 respondents. Finally, it lists occasions like school lunches and picnics that are good times for eating peanut butter and jelly sandwiches.
This document provides an experience and skills summary for Ashish Jain, highlighting his 12 years of experience in IT consulting across multiple industries including finance, telecom, automotive, healthcare, services, and software. It details his technical skills in areas such as Java, Oracle, and Microsoft platforms, as well as his management experience delivering complex projects and providing thought leadership to clients. Key clients he has worked with are also listed.
A good credit history makes it possible to get credit, especially for major purchases like a home. It keeps the cost of borrowing to a minimum.
To build good credit, consider using one or a maximum of two credit cards to make small purchases that you pay off when the bill comes in. The biggest factor of your credit score is payment history, or in other words, pay on time every time.
To access your free credit report, visit www.annualcreditreport.com. It's good to review your credit report periodically to make sure all information is accurate and that you have not been the victim of identity theft.
The Role Systems Have in Ensuring ComplianceNostrumGroup
This document discusses the role of technology in ensuring compliance for financial institutions. It outlines the objectives of the Financial Conduct Authority (FCA) to make markets work well and put customers first. It then discusses how technology can help with loan origination, servicing, collections, reporting, conduct, complaints handling, and diversification of loan products to ensure compliance with FCA regulations. The document concludes by urging readers to respond to an upcoming FCA consultation, work with trade associations, and prepare for regulatory changes.
Understanding the Full Lending Performance CycleBaker Hill
Most people see only one piece of the financial institution’s inner workings. This session will outline the full lending cycle and where performance is measured throughout
The document discusses a presentation about accounting software for nonprofits featuring Sage Intacct. It includes an agenda covering grant management requirements, field office accounting challenges, federal reporting and compliance, and a demo of Intacct. The presentation objectives are to identify challenges for nonprofits and how Intacct can help with grant management and accounting. Attendees are polled on their organization size, current systems, and desired improvements. Raffa is introduced as a consulting firm that supports over 1,600 nonprofits with accounting systems and other services.
This recipe provides directions for making a peanut butter and strawberry jam sandwich along with some context about the ingredients. It suggests spreading peanut butter on one slice of bread and strawberry jam on the other slice before putting the sandwich together. The document also notes that a survey found strawberry jam to be the most popular topping for peanut butter according to 46 out of 100 respondents. Finally, it lists occasions like school lunches and picnics that are good times for eating peanut butter and jelly sandwiches.
This document provides an experience and skills summary for Ashish Jain, highlighting his 12 years of experience in IT consulting across multiple industries including finance, telecom, automotive, healthcare, services, and software. It details his technical skills in areas such as Java, Oracle, and Microsoft platforms, as well as his management experience delivering complex projects and providing thought leadership to clients. Key clients he has worked with are also listed.
A good credit history makes it possible to get credit, especially for major purchases like a home. It keeps the cost of borrowing to a minimum.
To build good credit, consider using one or a maximum of two credit cards to make small purchases that you pay off when the bill comes in. The biggest factor of your credit score is payment history, or in other words, pay on time every time.
To access your free credit report, visit www.annualcreditreport.com. It's good to review your credit report periodically to make sure all information is accurate and that you have not been the victim of identity theft.
This document provides a 10 step process for analyzing problem loans and minimizing losses. The steps include reviewing documentation, performing lien searches, collateral valuation, financial analysis, identifying all related debt, evaluating management and business operations, environmental issues, viability assessment, and developing an action plan. The goal is to gather all relevant information to understand the problem fully and develop a solution that protects the bank's interests while helping the borrower return to financial health.
Skills Survey of Iloilo Banking Industryfutureyouph
Banking is one of the priority sectors in Iloilo that has a good number of in-demand job.
Here's a survey done by the Iloilo Government-Industry-Academe Council on the skills needed to get a job in the Iloilo banking industry.
Practice defensive banking. Learn what to do and what not to do to to avoid lawsuits resulting from unintended promises. Learn about the due diligence process and secret liens.
Credit Crisis Presentation - Oct 9th 2008Wynn Quon
Presentation for the Canadian MoneySaver Share Club. How did we get here? What's ahead? Is my money safe? Should I sell? Opportunities in the wreckage. Most common mistakes investors make during bear markets and how to avoid them.
Capital Match LLC aims to connect entrepreneurs seeking investment capital with investors. It will provide customized documents and fully vetted investment opportunities to facilitate connections. Capital Match will market to both entrepreneurs and investors through social media, incubators, educational programs and local meetings. It faces risks in accessing both customer bases, financial sustainability without initial investors, and developing a platform to serve both sides. Capital Match plans to initially bootstrap and later partner with incubators, venture capital firms, family offices and conferences.
The document discusses the evolution of modern marketing departments and additional topics in marketing management. It describes how marketing departments have evolved from simple sales departments to encompass broader functions like advertising, PR, and customer relationship management. The document also outlines trends in the business environment that have impacted marketing, such as globalization, technology advances, reengineering, outsourcing, and collaboration with suppliers. Finally, it discusses developing holistic marketing organizations by outlining strategies for organization-wide marketing orientation and how to implement, evaluate, and control marketing programs.
Instilling the Right Credit Risk CultureLibby Bierman
As the Comptroller's Handbook states, "a bank’s first defense against excessive credit risk is the initial credit-granting process, sound underwriting standards, an efficient, balanced approval process, and a competent lending staff." The start of a new year is the perfect time to review and improve your credit risk culture.
Garrett Morris, director of consulting at Sageworks, discussed the key elements of a strong credit risk culture, including:
-Three Ps of credit analysis
-Five Cs of credit
-Five Cs of data collection
-12 questions to ask at your institution
Assessing a bank’s culture is not an easy task, but there clearly is an increased emphasis on culture that is part of the regulators' broader focus on “heightened standards.” Learn what it takes to have a strong credit culture. Read about these 10 credit culture factors to assess your institution's credit culture.
Ensuring capital availability for entrepreneurs is consistently referred to by business owners as one of the key components of any successful banking relationship. If you lend to small businesses, you should know about the competitive landscape, including alternative lenders, and the 5 regulatory items you should monitor closely.
Time banking is a system that uses time as currency to allow people to exchange services. Members join a time bank and list skills they can offer others. For each hour of service provided to another member, one time credit is earned that can then be spent to receive services from other members. Time banking aims to strengthen social networks and engagement while allowing useful skills exchanges. Setting up both online and offline time banking networks in Ireland could help address social isolation and provide mutual aid.
This is a simple and clear overview of what the credit crunch is, what caused it and the current status of the financial system with special focus on hte Irish situation.
The document discusses guidelines for bankers to analyze credit applications from farmers in India. It outlines factors to consider like returns from investment, repayment capacity, and risk bearing ability. Repayment capacity depends on gross returns, expenses, consumption, other loans, skills. It also discusses the 5 Cs, 7 Ps, and different repayment plans for loans like lump sum, amortized decreasing/even, and variable plans. The key points are evaluating the viability and risks of proposed investments, a farmer's ability to repay based on their financial situation, and choosing appropriate loan repayment structures.
The document provides an overview of key financial statements and concepts related to banking. It discusses the balance sheet, income statement, and statement of cash flows. It then explains key components of these statements like assets, liabilities, equity, net income, and cash flow. The document also covers concepts like leverage, net interest margin, types of bank deposits and assets, and measures of money supply.
Chuck Nwokocha is a senior risk management consultant presenting on enhancing credit quality at financial institutions. He discusses the importance of strong policies, processes, and lending staff (the 3 P's). He then covers various credit analysis tools like the 5 C's of lending and global cash flow analysis to standardize underwriting. Nwokocha notes examiner concerns around commercial and industrial lending include risk rating systems, asset quality, and thorough documentation. He emphasizes policies, ongoing reviews, and global cash flow analysis for managing credit risk.
The document discusses the "5 C's of credit" which are key factors for assessing credit risk: Character, Capacity, Capital, Conditions, and Collateral. It provides examples of each C and explains how to use the 5 C's framework to evaluate new and existing customers. The document also briefly discusses additional considerations for international risk management and best practices for credit risk assessment, such as education, communication, and flexibility.
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Commercial credit analysis can introduce a lot of complexities into the banking organization: additional underwriting standards, new financial data to collect and interpret, complex relationships with multiple entities and commingled incomes, additional regulatory focus, etc.
Sageworks Senior Consultant Peter Brown covers some of the basics that come with credit analysis including what data to consider, how to analyze the data, when to introduce benchmarking and automation and other topics.
Revolutionizing lending in today's digital worldExperian
Imagine a world where the lending journey is streamlined and aligned with today's innovative technologies. A world where income and asset verification happen real-time. No need to return to your customers and request even more paperwork to support their ability to pay. This presentation dives into how lenders can now bring financial data aggregation into the mainstream. With a simple interface, lenders can verify income and assets in minutes vs. days, leading to reduced processing times, improved revenue streams and higher customer satisfaction.
This document summarizes the agenda for Day 4 of the Fintech Bootcamp hosted by QuantUniversity. The agenda includes a discussion of the history and evolution of payment automation from the 1950s to present day, an overview of major trends and solutions in innovative payments like mobile and merchant payments, and the impact of payment revolution on traditional financial institutions. The document concludes with next steps which include a post-event questionnaire and certification process for attendees.
This document provides a 10 step process for analyzing problem loans and minimizing losses. The steps include reviewing documentation, performing lien searches, collateral valuation, financial analysis, identifying all related debt, evaluating management and business operations, environmental issues, viability assessment, and developing an action plan. The goal is to gather all relevant information to understand the problem fully and develop a solution that protects the bank's interests while helping the borrower return to financial health.
Skills Survey of Iloilo Banking Industryfutureyouph
Banking is one of the priority sectors in Iloilo that has a good number of in-demand job.
Here's a survey done by the Iloilo Government-Industry-Academe Council on the skills needed to get a job in the Iloilo banking industry.
Practice defensive banking. Learn what to do and what not to do to to avoid lawsuits resulting from unintended promises. Learn about the due diligence process and secret liens.
Credit Crisis Presentation - Oct 9th 2008Wynn Quon
Presentation for the Canadian MoneySaver Share Club. How did we get here? What's ahead? Is my money safe? Should I sell? Opportunities in the wreckage. Most common mistakes investors make during bear markets and how to avoid them.
Capital Match LLC aims to connect entrepreneurs seeking investment capital with investors. It will provide customized documents and fully vetted investment opportunities to facilitate connections. Capital Match will market to both entrepreneurs and investors through social media, incubators, educational programs and local meetings. It faces risks in accessing both customer bases, financial sustainability without initial investors, and developing a platform to serve both sides. Capital Match plans to initially bootstrap and later partner with incubators, venture capital firms, family offices and conferences.
The document discusses the evolution of modern marketing departments and additional topics in marketing management. It describes how marketing departments have evolved from simple sales departments to encompass broader functions like advertising, PR, and customer relationship management. The document also outlines trends in the business environment that have impacted marketing, such as globalization, technology advances, reengineering, outsourcing, and collaboration with suppliers. Finally, it discusses developing holistic marketing organizations by outlining strategies for organization-wide marketing orientation and how to implement, evaluate, and control marketing programs.
Instilling the Right Credit Risk CultureLibby Bierman
As the Comptroller's Handbook states, "a bank’s first defense against excessive credit risk is the initial credit-granting process, sound underwriting standards, an efficient, balanced approval process, and a competent lending staff." The start of a new year is the perfect time to review and improve your credit risk culture.
Garrett Morris, director of consulting at Sageworks, discussed the key elements of a strong credit risk culture, including:
-Three Ps of credit analysis
-Five Cs of credit
-Five Cs of data collection
-12 questions to ask at your institution
Assessing a bank’s culture is not an easy task, but there clearly is an increased emphasis on culture that is part of the regulators' broader focus on “heightened standards.” Learn what it takes to have a strong credit culture. Read about these 10 credit culture factors to assess your institution's credit culture.
Ensuring capital availability for entrepreneurs is consistently referred to by business owners as one of the key components of any successful banking relationship. If you lend to small businesses, you should know about the competitive landscape, including alternative lenders, and the 5 regulatory items you should monitor closely.
Time banking is a system that uses time as currency to allow people to exchange services. Members join a time bank and list skills they can offer others. For each hour of service provided to another member, one time credit is earned that can then be spent to receive services from other members. Time banking aims to strengthen social networks and engagement while allowing useful skills exchanges. Setting up both online and offline time banking networks in Ireland could help address social isolation and provide mutual aid.
This is a simple and clear overview of what the credit crunch is, what caused it and the current status of the financial system with special focus on hte Irish situation.
The document discusses guidelines for bankers to analyze credit applications from farmers in India. It outlines factors to consider like returns from investment, repayment capacity, and risk bearing ability. Repayment capacity depends on gross returns, expenses, consumption, other loans, skills. It also discusses the 5 Cs, 7 Ps, and different repayment plans for loans like lump sum, amortized decreasing/even, and variable plans. The key points are evaluating the viability and risks of proposed investments, a farmer's ability to repay based on their financial situation, and choosing appropriate loan repayment structures.
The document provides an overview of key financial statements and concepts related to banking. It discusses the balance sheet, income statement, and statement of cash flows. It then explains key components of these statements like assets, liabilities, equity, net income, and cash flow. The document also covers concepts like leverage, net interest margin, types of bank deposits and assets, and measures of money supply.
Chuck Nwokocha is a senior risk management consultant presenting on enhancing credit quality at financial institutions. He discusses the importance of strong policies, processes, and lending staff (the 3 P's). He then covers various credit analysis tools like the 5 C's of lending and global cash flow analysis to standardize underwriting. Nwokocha notes examiner concerns around commercial and industrial lending include risk rating systems, asset quality, and thorough documentation. He emphasizes policies, ongoing reviews, and global cash flow analysis for managing credit risk.
The document discusses the "5 C's of credit" which are key factors for assessing credit risk: Character, Capacity, Capital, Conditions, and Collateral. It provides examples of each C and explains how to use the 5 C's framework to evaluate new and existing customers. The document also briefly discusses additional considerations for international risk management and best practices for credit risk assessment, such as education, communication, and flexibility.
Information on the five C's of credit, bankruptcy proceedings, credit policy, credit investigations, credit fraud, credit decisions, customer visits, the sales department, and the vredit department.
Commercial credit analysis can introduce a lot of complexities into the banking organization: additional underwriting standards, new financial data to collect and interpret, complex relationships with multiple entities and commingled incomes, additional regulatory focus, etc.
Sageworks Senior Consultant Peter Brown covers some of the basics that come with credit analysis including what data to consider, how to analyze the data, when to introduce benchmarking and automation and other topics.
Revolutionizing lending in today's digital worldExperian
Imagine a world where the lending journey is streamlined and aligned with today's innovative technologies. A world where income and asset verification happen real-time. No need to return to your customers and request even more paperwork to support their ability to pay. This presentation dives into how lenders can now bring financial data aggregation into the mainstream. With a simple interface, lenders can verify income and assets in minutes vs. days, leading to reduced processing times, improved revenue streams and higher customer satisfaction.
This document summarizes the agenda for Day 4 of the Fintech Bootcamp hosted by QuantUniversity. The agenda includes a discussion of the history and evolution of payment automation from the 1950s to present day, an overview of major trends and solutions in innovative payments like mobile and merchant payments, and the impact of payment revolution on traditional financial institutions. The document concludes with next steps which include a post-event questionnaire and certification process for attendees.
This document discusses how data analytics and financial technology (fintech) companies are revolutionizing the banking industry. It notes that non-traditional fintech firms have an advantage over traditional banks by exploiting two inherent risks in banking - credit risk and operational risk. Data-driven lending allows fintech companies to more accurately assess credit risk. The document also states that traditional banks will need to respond by adopting new technologies and business models to compete in this changing landscape.
This document discusses how financial services companies are using data analytics. It defines data analytics as using new applications and processes derived from independent service providers and banks/insurers to automate insurance, trading, and risk management. Some key points made include:
- Financial services companies are using data science techniques like customer profiling and segmentation to increase cross-selling success rates and improve fraud detection.
- Case studies show how banks like Capital One and Citi are using customer transaction data to develop new products and identify business patterns.
- Data analytics can help financial institutions optimize processes, improve customer service, and inform product and pricing decisions.
- Risks of data analytics include loss of customer focus, diminished margins from new
This document presents a credit card approval prediction model built using machine learning techniques. The model was created using data from the UCI Machine Learning Repository Credit Approval dataset. Various machine learning algorithms were used including Random Forest, K-Means clustering, and Decision Tree classification. The models were evaluated and visualizations created to understand feature importance and data distributions. A web application was also developed to demonstrate the predictive model.
Overview of Data Analytics in Lending BusinessSanjay Kar
AI/ML use cases
BFSI industry overview
Lending Products
Underwriting Strategy
Customer Lifecycle Management
How to prepare for becoming a banking analyst
Materials to study for statistics
What is fintech?
What is a Credit Bureau?
Books for statistics
Tools for data science
Techniques for data science
Solutions for small business owners to receive guidance and business assistance from NGOs and microfinance institutions. Based on social internship done with an NGO in Ahmedabad in 2017
Producing direct value for businesses via quantitative models.
New analytical tools such as Looker allow data analysts to speed up the dirty work around building data models—making it less painful to clean data, explore predictive factors, and evaluate results.
In this educational webinar from Data Science Central (DSC), Justin Palmer of LendingHome, a mortgage banking and marketing platform, joins Colin Zima, Chief Analytics Officer at Looker. Using a public-domain FAA dataset and the LendingHome platform as examples, they dig into the data modeling process and offer ideas for improvements.
- See more at: http://try.looker.com/resources/improving-data-modeling-workflow#sthash.2rGxwhJ7.dpuf
FTFCU - How to Become a Data Driven OrganizationNaveen Jain
The document discusses how organizations can become data-driven by learning tricks to simplify self-service BI rollouts, identifying potential pitfalls, and hearing from experts on enabling data-driven decision making. It also provides an example of how a large credit union implemented a business intelligence platform involving data visualization, marketing automation, and analytics tools to drive personalized engagement and operational excellence. Effective strategies discussed include taking an iterative approach, demonstrating value through visualization, and treating becoming data-driven as a journey rather than a single project.
Pluto7 - Tableau Webinar on enabling Organization to be Data Driven in 201...Manju Devadas
Big Data and BI initiatives needs a holistic strategy and execution. The content walks through how an organization became data driven in less than 6 months with Tableau, Alteryx, Splunk and traditional BI enabled by Pluto7 ( www.pluto7.com )
- Conduct a job analysis to determine critical behaviors for success in CRM roles (e.g., customer service representatives, sales representatives, account managers).
- Gather input from managers, employees, and customers to identify essential behaviors.
- Align behaviors with company values and CRM goals.
2. Define Performance Levels:
- Establish clear and measurable performance levels for each behavior (e.g., unsatisfactory, needs improvement, meets expectations, exceeds expectations).
- Use specific examples to illustrate each level.
3. Create the Scorecard:
- Develop a visual representation of the scorecard, listing behaviors and performance levels.
- Use a simple and easy-to-understand format.
This document summarizes opening remarks from a panel on risk-based approaches to loss mitigation in mortgage lending. The panelists discuss how their companies use predictive analytics to segment borrowers and identify the best loss mitigation options. They also describe tools and services their companies provide to help servicers comply with changing investor guidelines and mitigate risks. This includes automated analysis of loan data, customized document fulfillment, call center support, and reporting capabilities. The overall discussion focuses on applying risk-based analytics to efficiently process loss mitigation and convert at-risk loans into performing assets.
Salesforce Case Management with Canadian Cancer Society, Salesforce.org, and ...Heller Consulting
Case management can be used as a specific term, but in the most basic sense it simply describes a process: information comes into a system, it gets processed in some way, and then something happens as a result. This simple process can be used and extended in a variety of ways to help a nonprofit organization deliver its mission and achieve its goals. From internal help desk tickets and support issues to managing customer requests or even grant applications, case management techniques and processes can streamline interactions between constituents and staff to provide a smooth and trackable experience from beginning to end.
Join us July 26 for this in-depth webinar where we will show how the Canadian Cancer Society in Saskatchewan utilized the case management functionality of Salesforce in their multi-channels engagement center to manage calls, emails, social connections, fundraising coaching and more. We’ll also discuss how they utilized cases in their financial assistance program and to provide an effective and efficient way to manage one of the more complex and time-consuming processes in their program. The Society was able to leverage the power of cases to enable and track service delivery and ensure the goals of the program were being met.
In this webinar, Salesforce.org, the Canadian Cancer Society in Saskatchewan and Heller Consulting show what’s possible with case management in Salesforce. At the end, you’ll walk away with new ideas on how to leverage this functionality for your own organization.
Key Takeaways:
- Live demo of case management in Salesforce
- Learn how the Canadian Cancer Society built one of its cancer support programs by leveraging case management functionality
- Learn how the Society implemented a multi-channel engagement centre with cases as a key solution component
- We’ll share tips and best practices on case management and how you can increase the effectiveness of your programs
You can also receive Supporting a Strategy with Salesforce Cases, a detailed look at how to utilize the power of Salesforce Cases in a variety of ways across an organization.
This document summarizes a presentation about the Credit Management Association (CMA). CMA is a non-profit association established in 1883 that provides services to credit and financial managers, including professional education, networking opportunities, and credit information services. The presentation discusses CMA's mission to promote effective business credit management and provides tips on topics like credit policy, accounts receivable management, and key performance metrics.
This document discusses Enterprise Information Management (EIM) solutions for financial institutions. It summarizes that the company delivers global EIM solutions including information architecture, data warehousing, business intelligence, and data governance. They help customers understand and leverage their data to grow revenue and drive efficiencies. The document also states that financial institutions have a wealth of customer data that, if analyzed, can help them better understand customer needs and wants. It emphasizes that banks will need to become more digital, customer-driven, and innovative by 2020 to stay competitive.
The Mindset of Decision-Making: Best Practices to Increase Agility and Visibi...Prolifics
The document discusses operational decision management (ODM) and best practices for increasing agility and visibility with decision automation. It describes how decisions are found throughout business processes in areas like insurance, banking, healthcare, and more. Automating decisions can simplify processes by extracting business rules and encapsulating them in decision models. This allows for centralized management of decisions independent of processes. The document advocates using analytics to continuously improve decisions and processes over time through predictive analysis and optimization. It provides an example reference architecture and use cases for automating customer-related decisions to improve cross-selling based on behaviors and external events.
Naveen Jain discusses building an analytics culture at First Tech Federal Credit Union. Key aspects included establishing executive commitment, focusing on fact-based decision making, developing an information infrastructure, and engaging business units. Early wins included improving onboarding to drive product penetration and reducing mortgage loan cycle times by integrating data and visualizing workflows. Lessons learned centered around maintaining executive alignment, engaging business stakeholders, prioritizing quick wins through an agile development approach.
Loan approval prediction based on machine learning approachEslam Nader
This document discusses using machine learning models to predict loan approvals. It introduces the motivation, problem statement, and objectives of building a loan prediction system. The document describes the dataset used, which contains information about previous loan applicants. It then explains three machine learning models tested for the predictions: decision tree classifier, logistic regression, and naive Bayesian classifier. The document concludes by reporting the accuracy scores from experimenting with each model, with decision tree performing best.
Discover the cutting-edge telemetry solution implemented for Alan Wake 2 by Remedy Entertainment in collaboration with AWS. This comprehensive presentation dives into our objectives, detailing how we utilized advanced analytics to drive gameplay improvements and player engagement.
Key highlights include:
Primary Goals: Implementing gameplay and technical telemetry to capture detailed player behavior and game performance data, fostering data-driven decision-making.
Tech Stack: Leveraging AWS services such as EKS for hosting, WAF for security, Karpenter for instance optimization, S3 for data storage, and OpenTelemetry Collector for data collection. EventBridge and Lambda were used for data compression, while Glue ETL and Athena facilitated data transformation and preparation.
Data Utilization: Transforming raw data into actionable insights with technologies like Glue ETL (PySpark scripts), Glue Crawler, and Athena, culminating in detailed visualizations with Tableau.
Achievements: Successfully managing 700 million to 1 billion events per month at a cost-effective rate, with significant savings compared to commercial solutions. This approach has enabled simplified scaling and substantial improvements in game design, reducing player churn through targeted adjustments.
Community Engagement: Enhanced ability to engage with player communities by leveraging precise data insights, despite having a small community management team.
This presentation is an invaluable resource for professionals in game development, data analytics, and cloud computing, offering insights into how telemetry and analytics can revolutionize player experience and game performance optimization.
We are pleased to share with you the latest VCOSA statistical report on the cotton and yarn industry for the month of March 2024.
Starting from January 2024, the full weekly and monthly reports will only be available for free to VCOSA members. To access the complete weekly report with figures, charts, and detailed analysis of the cotton fiber market in the past week, interested parties are kindly requested to contact VCOSA to subscribe to the newsletter.
1. Loan Sanction Model
Loan Sanction Model for Lending Club
Course Project for Data Mining & Analysis for Managers
Team Members:
Jawad Abbas | Manan Amin | Maham Fatima | Akshay Seth
2. Outline
• Business Process
• Dataset
• Identifying Target Variable
• Deciding Data Format
• Identifying Explanatory Variable
• Acquire and Analyzing Data
• Transforming Data
• Mining
• Reviewing & Analyzing Data
• Questions
3. About Lending Club
• World’s largest online credit marketplace, facilitating
personal loans, business loans, and financing for elective
medical procedures.
• Borrowers access lower interest rate loans through a fast
and easy online or mobile interface.
5. Data Set
• Data Set:
https://resources.lendingclub.com/LoanStats3d.csv.zip
• Dictionary Link:
https://resources.lendingclub.com/LCDataDictionary.xlsx
• Data Term: 2015
8. Identifying Explanatory Variable
• Selected 15 variables out of 111 available variables
Member id dti (debt income)
Emp length Credit debt
Home ownership Tot cur bal (total debt)
Annual inc Revol bal
Term Pub rec bankruptcies
Loan amount Tax liens
Int rate Pub rec
9. Acquire and Analyzing Data
• Filter data based on following rules,
• Employment Length != n/a
• Total Balance <= Credit Balance
• Got rid of outliers,
• High Annual Income
• Very Low DTI (Debt_Income)
10. Transforming Data
• For getting a better loan sanctioned model.
• Changed the letter Grades & Home_Ownership to binary
• Grade: A, B, C = 1
• Grade: D, E, F, G = 0
• Home_Ownership: “OWN” = 1
• Home_Ownership: ”MORTGAGE” = “RENT” = 0
11. Mining
• Data Input to Statistical Discovery Software by SAS (JMP)
• Built a Simple Linear Regression Model