Which attributes of a loan application do you think might predict which loans will go delinquent and which will ultimately be fully repaid? How could we test that?

Now consider declined loans application data: Amount requested, application date, loan title, risk score, debt-to-income ratio, and employment length.

• What three items do you believe would be most useful in predicting loan acceptance or rejection?
• What additional data do you think could be solicited either internally or externally that would help you predict loan acceptance or rejection?
• If you were in a position to accept or deny a loan application, how might you look differently at this data? Would you be more lenient or stringent?