#Retail Credit Risk analysis to showcase PD element modeling within IRB. Before mass-production of the solution, this repository is treated as the prototype of how the data preparation e.g. cleansing, fill-in-na, data classing are done for discrete/continuous variables, then putting together , the various ratio use e.g. WoM (weight of measurement) of variables in fine/coarse classing of continuous data , and logistic regression for bad/good debtors. Data used here are sourced from Kaggle in the link below: https://www.kaggle.com/datasets/adarshsng/lending-club-loan-data-csv