🏦 Folio Score 2: Renewal & Refinance Predictor

Advanced Credit Scoring Extension for Portfolio Optimization

This repository contains a specialized extension of the Folio Score 2 framework. The project focuses on identifying high-probability renewal candidates and optimizing refinancing opportunities through data-driven attribute selection and predictive modeling.

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📊 Methodology & Insights

The project follows a structured analytical workflow from feature identification to technical validation:

1. Feature Identification

• Documentation: Core_Dataset_Features_That_Enable_Renewal.pdf
• Focus: A deep dive into the primary dataset to isolate the specific financial variables that correlate most strongly with account renewal.

2. Attribute Selection & Strategic Insights

• Documentation: Extending_Folio_Score_2_Renewal_and_Refinance.pdf
• Focus: Detailed analysis of the dataset features to select the final model attributes. This document provides the business logic and financial rationale for the chosen predictive variables.

3. Model Validation

• Notebook: Extending_Folio_Score_2_Renewal_and_Refinance.ipynb
• Focus: Interactive test case validation. This notebook demonstrates the effectiveness of the attribute selection against real-world test scenarios.

4. Technical Implementation

• Source: Extending-Folio-Score-2-Renewal-and-Refinance.py
• Focus: The production-ready Python implementation of the scoring extension, designed for integration into larger financial portfolio management systems.

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🛠️ Tech Stack

• Language: Python (Pandas, NumPy, Scikit-Learn)
• Domain: FinTech / Credit Scoring / Risk Management
• Analysis: Feature Engineering & Predictive Analytics