Late Payment Predictor

I worked on this project when I was a Data Scientist at Datank.


  • Predict which borrowers will make late payments for a Credit Risk team


  • Six-month project


  • Wrangled a very messy transaction stream
  • Recognized and extracted relevant information required for feature engineering and visualization
  • Made the selection of Machine Learning models by assessing their perfomance metrics
  • Applied exponential decay to features, improving dramatically the precision of the predictions
  • Refactored -cleaning, training and prediction- code into Dockerized tasks as required by the Data Engineering team


  • Docker
  • Python


  • Achieved model performance of 80% precision (99% accuracy)
  • Coded appropriate solutions fit for production
  • An API that delivers predictions seamlessly to a Credit Risk team

Michelle Audirac
Data Scientist