A behavioural risk model for deposit only customers

In this joint collaboration with BNS, we will develop a behavioural risk model to predict the likelihood of future risk of breaking the promise to pay debt for customers who only hold deposit products with BNS. The model will be utilized to support business operations such as credit card and loan pre-approvals. That is to say, if you are a customer who only have chequing, saving and/or investment accounts with BNS and plan to buy a car, you will be scored in this model for the car loan pre-approval. This model will also contribute to building a centralized retail models system to model all retail customers of BNS.

Wenzheng Zhou
Faculty Supervisor: 
Natalia Nolde
Project Year: 
British Columbia