Credit Card Case Study

A comprehensive business analytics case study investigating credit card customer behavior. The analysis explores transaction volumes, spending categories, credit limit utilization, repayment patterns, and customer demographic attributes to uncover drivers of card activity and portfolio health.

• Cleaned and validated customer records, imputing missing values and capping extreme outliers.
• Engineered behavioral metrics including credit limit utilization ratios and repayment regularity indicators.
• Conducted exploratory data analysis identifying spending distributions across demographic brackets and card categories.
• Segmented cardholders into distinct behavioral clusters based on usage frequency and balance retention.
• Synthesized analytical insights into commercial recommendations for limit management and customer retention.

• Demonstrates analytical rigor in handling financial metrics and skewed consumption data.
• Connects statistical segmentation with practical business interventions in banking and credit.
• Clean, modular Python code with reproducible data transformation steps.