Random Thoughts

It has been almost a decade since I updated this blog. Perusing the previous blog posts, it is interesting to see evolution of my profession...

Recently Lending Club modified the historical loan data file, included several new loan and borrower attributes and removed a few. One of t...

This post is the last in the series of posts discussing when default of loans start to peak ( Part 1 , part 2 , part 3 , and part 4 ). M...

In this post, I will analyze the defaults based on principal paid back by the borrowers before default. For earlier posts in the series, pl...

In the last post , I analyzed the defaults based on number of monthly payments made by borrower before default. In next post, I will analyz...

In the last post , I reviewed the defaults based on loan issued date. As I mentioned in the previous post, due to point in time snapshot of...

February has been slow month from blogging perspective for me. I spent majority of time making improvements to  PeerCube . Three major enh...

While reviewing the loan volume with borrower's revolving credit utilization, I became curious to know how the revolving credit utiliza...

In next few posts, I will review the loan characteristics and default rate with respect to the revolving credit line utilization of borrowe...

Minimum Credit Criteria In November, Lending Club not only hide the details of underwriting process, as described in my previous post Len...

Recently, in response to my post Lending Club 2012 in Review, Part I: Loan Volume and Amount Funded , a commentator pointed out a few recen...

Continuing the year-end review of Lending Club loans issued in 2012 from Part I and Part II where I discussed Loan Volume, Amount Funded...

Continuing the year-end review of Lending Club loans from my previous post where I discussed Loan Volume and Amount Funded ... Interes...