Credit Risk & Banking Path · Mission 26 of 30Master

Charge-off rate by product — FICO band heatmap

Two-dimensional bucketing: cross product_type with FICO band, conditional aggregation for the rate, ranked output

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The Brief

You'll practice

2-D bucketingConditional aggregationCECL grid
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All 30 missions in Credit Risk & Banking Path ↓
  1. 1. Peek at the customer book
  2. 2. What products do we book?
  3. 3. Open accounts right now
  4. 4. Active deposit customers by state
  5. 5. Customer vs account — know the grain
  6. 6. Reversals and chargebacks — clean the spend total
  7. 7. Delinquency bucket snapshot
  8. 8. FICO band distribution at origination
  9. 9. Approval rate by FICO band
  10. 10. Joint accounts — who’s the primary?
  11. 11. Monthly net charge-off rate by product
  12. 12. Vintage originations pacing
  13. 13. Velocity feature — auths in 1 hour
  14. 14. Structuring flag — sub-$10K cash deposits
  15. 15. Dormant account audit
  16. 16. Vintage curve — 90+ DPD by MOB
  17. 17. Roll-rate transition matrix
  18. 18. Rolling velocity — ≥5 auths in 10 minutes
  19. 19. Same-day amount-swing flag
  20. 20. Quarter-end balance snapshot (Y-9C style)
  21. 21. PSI — score distribution vs baseline
  22. 22. KS statistic on PD model scores
  23. 23. CECL lifetime loss projection by vintage
  24. 24. Champion–challenger collections backtest
  25. 25. Portfolio risk scorecard capstone
  26. 26. Charge-off rate by product — FICO band heatmap
  27. 27. Vintage delinquency drift YoY (12-MOB)
  28. 28. Chargeback risk score by merchant category
  29. 29. Product portfolio risk summary
  30. 30. CRO board scorecard capstone