CIRBE predictive model
(for companies)

The challenge

A banking institution needs to determine the total accumulated risk (CIRBE) of a company to understand the margin it has with its financial state.

Objectives

To carry out proactive commercial actions by predicting the accumulated risk of client companies.

How have we done it?

• XGBoost
• Synthetic variables creation
• Exploratory Data Analysis

Results provided

With the predictive model, it has been possible to gain a better understanding of the financial status of clients and to adjust the credit granted to companies more accurately.