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Data science model for the evaluation of customers of rural savings banks without cbkp_redit history

Abstract:

The Data Science Model for the evaluation of clients of rural savings banks seeks to increase the cbkp_redits granted to potential clients with or without a cbkp_redit history and who possess or lack income and expense support. The evaluation consists of entering your identity document at the risk centers, measuring your income, expenses with or without supporting documents. Pilot tests were conducted in one of the agencies of the rural saving bank Edpyme Raiz for 3 weeks, obtaining favorable results and increasing from 10 to 30% the number of cbkp_redits obtained per official when using the evaluation model and, if not, when the The result of the evaluation of the client is not favorable, it is suggested some recommendations to be able to approve again.