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Credit Risk Management Using Automatic Machine Learning

Gaweł Bartłomiej, Paliński Andrzej

Decision Making in Manufacturing and Services

2020

Vol. 14, no. 2

193--208

The article presents the basic techniques of data mining implemented in typical commercial software. They were used to assess the risk of credit card debt repayment. The article assesses the quality of classification models derived from data mining techniques and compares their results with the traditional approach using a logit model to assess credit risk. It turns out that data mining models provide similar accuracy of classification compared to the logit model, but they require much less work and facilitate the automation of the process of building scoring models.