📊 Default Rates & Credit Risk:

- $229.9M worth of loans in the non-NPA category pose a credit risk out of a total portfolio value of $328.8M.

- Defaulted credit amounts to $122K.

🌍 Geographical Analysis:

- Canada and New York received significant credit amounts, with $58M and $31.3M respectively. Among these, $41M (70%) in Canada and $22.5M (72%) in New York pose a high-risk exposure.

🔥 Risky Credit Purposes:

- The purpose associated with the highest risky credit instances is debt consolidation, accounting for 10,167 instances amounting to $124M.

- Credit card payment is the second-highest purpose, with 2,878 instances worth $33M.

📝 Recommendations:

- Implement proactive monitoring systems to identify early warning signs of potential default.

- Diversify risk exposure across regions, grades, and purposes to avoid concentration risk.

- Enhance verification processes to ensure accurate and reliable borrower information. 

1️⃣ Team Performance: Identified top-performing teams like "Fight Club" and "Delete" with high ratings and closed profiles.

2️⃣ Regional Analysis: Europe and Africa excelled, while Asia lagged behind.

3️⃣ Underperforming Teams: Suggested replacing teams with lower performance and assigning efficient alternatives.

🔍 Approach: Leveraged descriptive stats, #datavisualization , comparative analysis, and #segmentation to extract insights.

💡 Outcomes: Optimizing team performance, streamlining processes, allocating resources, and enhancing data quality. 

On your methodology page, you can present the PDSA (Plan-Do-Study-Act) cycle as follows:

*PDSA Methodology: Continuous Improvement for Success*

At InnSights, we believe in a data-driven approach to achieve continuous improvement and deliver exceptional results to our clients. Our methodology is based on the widely recognized Plan-Do-Study-Act (PDSA) cycle, a powerful framework for effective problem-solving and strategy implementation.

1. Plan: Identify and Strategize

In the "Plan" phase, we work closely with our clients to identify their specific needs and goals. Through comprehensive research and data analysis, we develop a well-informed strategy to address the challenges at hand. Our team collaborates with yours to ensure a clear understanding of the plan's objectives before proceeding.

2. Do: Implement and Monitor

Once the strategy is defined, we proceed to the "Do" phase. Here, we put the plan into action, but on a smaller scale or as a pilot project. This allows us to closely monitor the results and gather essential data without affecting the entire operation. Our agile approach ensures a smooth implementation and easy adaptability.

3. Study: Analyze and Evaluate

In the "Study" phase, we collect and analyze the data gathered during the implementation. Our experienced analysts delve deep into the results to evaluate the effectiveness of the strategy. We study the outcomes, identify patterns, and measure the progress towards the set goals.

4. Act: Refine and Optimize

The "Act" phase is all about making data-driven decisions. Based on our analysis, we collaborate with your team to refine the strategy, leveraging insights gained during the study phase. We identify areas for improvement and develop optimized solutions to enhance performance and results.

Continuous Loop: Learning and Growth

The PDSA cycle is not a one-time process; it's an ongoing journey of improvement. We iterate through the cycle, making data-backed decisions, and continuously refining our strategies to achieve success and drive meaningful change.

At InnSights, the PDSA methodology guides us to continuously improve and innovate, ensuring that our clients benefit from the most effective data analysis solutions and achieve their desired outcomes.