Auto Car Loan + DTI Calculation and Process Flow
Budget: ₹600 – ₹1,500 INR
<<USE DATA IN ATTACHED FILE>>
Create a DTI Calculator, Pricing Calculator and loan processing flow to price each loan provided. Use an object-oriented design.
Provide the result of each loan in a json file.
Each offer should have populated
- baseGrade
- finalGrade
- interestRate
- whether it is valid
- APR and Payment amount if you attempt those
Also, for each loan application it should have the following
- DTI
- Overall Approve/Decline decision on loan.
- Analysis of portfolio
- How many loans were approved vs declined?
For the approved loans, what is the break-down of number of loans by finalGrade when only using the 36-month offer?
What is the revenue generated by LendingClub from the portfolio assuming a 5% origination fee?
How would the approval rate change if you on the DTI calculation you assumed a payment amount of 6% of the balance for those without a payment amount?
Provide all relevant code to produce or obtain results from above including unit tests.
Create a DTI Calculator, Pricing Calculator and loan processing flow to price each loan provided. Use an object-oriented design.
Provide the result of each loan in a json file.
Each offer should have populated
- baseGrade
- finalGrade
- interestRate
- whether it is valid
- APR and Payment amount if you attempt those
Also, for each loan application it should have the following
- DTI
- Overall Approve/Decline decision on loan.
- Analysis of portfolio
- How many loans were approved vs declined?
For the approved loans, what is the break-down of number of loans by finalGrade when only using the 36-month offer?
What is the revenue generated by LendingClub from the portfolio assuming a 5% origination fee?
How would the approval rate change if you on the DTI calculation you assumed a payment amount of 6% of the balance for those without a payment amount?
Provide all relevant code to produce or obtain results from above including unit tests.