BAP Payment Prediction
Applied Data Finance
Behavioral Credit Payment Modeling
A machine learning system for predicting customer payment behavior using engineered behavioral and transaction features.
- problem
- Anticipate whether a customer will make an upcoming payment, using behavioral and transaction signals rather than static application data.
- approach
- Extensive feature engineering over behavioral and transaction history, gradient-boosted modeling with XGBoost, class-imbalance handling, and a production-oriented evaluation workflow.
- data / architecture
- Transaction and behavioral tables queried from Redshift, cleaned and aggregated into a modeling dataset in Python.
architecture
- RAW DATA
- DATA CLEANING
- FEATURE ENGINEERING
- BEHAVIORAL FEATURES
- XGBOOST
- PREDICTION
- EVALUATION
