Exploratory Data Analysis (EDA) Summary
Report Template
1. Introduction
This report provides an exploratory data analysis (EDA) of a financial
dataset aimed at predicting customer delinquency. The goal is to identify
patterns, assess data quality, and highlight variables likely to influence
credit risk.
[Insert purpose and goal(s) of the report.]
2. Dataset Overview
This dataset contains 500 records and 19 columns, capturing demographic
and financial details of customers. Key variables include Income, Credit
Score, Credit Utilization, Missed Payments, and Delinquent Account
status. Data types include numerical (e.g., Age, Income, Credit Score) and
categorical (e.g., Employment Status, Credit Card Type). Some anomalies
were noted, such as Credit Utilization values >1 and Account Tenure
values of 0, indicating potential data entry issues or edge cases.
This section summarizes the dataset, including the number of records, key variables,
and data types. It also highlights any anomalies, duplicates, or inconsistencies observed
during the initial review.
Key dataset attributes:
- Number of records: [Insert count]
- Key variables: [List key columns and descriptions]
- Data types: [Categorical, Numerical, etc.]
3. Missing Data Analysis
Identifying and addressing missing data is critical to ensuring model
accuracy. This section outlines missing values in the dataset, the approach
taken to handle them, and justifications for the chosen method.
Key Missing Data Findings:
| Variable | Missing Count | Handling Method | Justification
|
|----------------|----------------|--------------------|------------------------------------------
------------------------|
| Income | 39 | Median Imputation | Income is skewed;
median is more robust to outliers than mean. |
| Loan_Balance | 29 | Median Imputation | Reduces bias from
high loan values; maintains realistic spread. |
| Credit_Score | 2 | Mean Imputation | Minimal missing; mean
preserves central tendency. |
Identifying and addressing missing data is critical to ensuring model accuracy. This
section outlines missing values in the dataset, the approach taken to handle them, and
justifications for the chosen method.
Key missing data findings:
- Variables with missing values: [List affected columns]
- Missing data treatment: [Deletion, Imputation, Synthetic Data, etc.]
4. Key Findings and Risk Indicators
The most predictive early indicators of delinquency include Missed
Payments, Credit Utilization, and Credit Score. Customers with a higher
number of missed payments and credit utilization close to or above 1.0
are more likely to be delinquent. Lower credit scores also correlate with a
higher risk of default. Unexpected anomalies such as credit utilization
over 100% and zero account tenure suggest potential edge cases or input
errors worth further investigation.
This section identifies trends and patterns that may indicate risk factors for delinquency.
Feature relationships and statistical correlations are explored to uncover insights
relevant to predictive modeling.
Key findings:
- Correlations observed between key variables: [Summarize findings]
- Unexpected anomalies: [Highlight data points requiring further investigation]
5. AI & GenAI Usage
Generative AI tools were used to assess data quality, recommend
imputation strategies, and highlight predictive patterns. These tools
enabled efficient summarization and rapid insight generation from the
dataset.
Example AI prompts used:
- 'Summarize key patterns in the dataset and identify anomalies.'
- 'Suggest an imputation strategy for missing income values based on
industry best practices.'
- 'Identify the top 3 predictors of delinquency and justify the reasoning.'
Generative AI tools were used to summarize the dataset, impute missing data, and
detect patterns. This section documents AI-generated insights and the prompts used to
obtain results.
Example AI prompts used:
- 'Summarize key patterns in the dataset and identify anomalies.'
- 'Suggest an imputation strategy for missing income values based on industry best
practices.'
6. Conclusion & Next Steps
The dataset shows good structural integrity with minor issues around
missing values and a few data anomalies. Key variables such as Missed
Payments, Credit Utilization, and Credit Score should be prioritized in
modeling. Next steps include preprocessing the data (imputation and
encoding), feature engineering (e.g., summarizing monthly payment
patterns), and training machine learning models to predict delinquency
risk.
[Summarize key findings and outline the recommended next steps.]
