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Credit Risk Dataset Analysis

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Analyze the data thoroughly and generate a comprehensive PPT report.
08-05 02:56:40

I'll start by examining the data source and loading the relevant skills.

Now let me load the slide workflow reference for the PPT generation:

Excellent! I now have a clear picture of the dataset and the workflow. Let me start with Phase 1 — exploration to understand the data.

The dataset is a credit risk dataset with 35 fields covering demographics (age, gender, education, occupation, marital status), financial attributes (income, credit score, loan amount, loan term), and risk indicators (default status, delinquencies, credit cards, existing loans).

Let me explore the data

Interesting — the default_count is 0, meaning all records are "No Default". Let me explore the data more deeply to understand the risk profile distribution, income, loan amounts, credit scores, and demographic segments.

Now I have a thorough understanding of the data. Let me proceed to Phase 2 — generating charts, then the PPT report.

Key findings summary:

  • 1,000 records, all with "No Default" status (no defaults recorded in this dataset)
  • Average credit score: 579 (Fair range), average loan: $27,259, avg income: $28,825
  • 35% of customers are in Poor credit range (300-499), another 16% in Fair (500-579)
  • Credit score is the strongest differentiator of risk profile
  • Occupation groups are fairly evenly distributed; White Collar and Professional each ~21%
  • Age 45-54 is the largest segment (21.4%), with highest average loan amounts
  • Delinquencies: 61.6% have 0 delinquencies, 30.6% have 1
  • Correlation: Loan amount is most correlated with credit cards (0.18) and loan term (0.14)

Let me now generate the charts:

Credit Score Distribution
Snapshot
Credit Score Distribution

I need to use the exact member short names from the schema. Let me fix the aliases:

Credit Score Distribution
Snapshot
Credit Score Distribution
Risk Profile by Education Level
Snapshot
Risk Profile by Education Level
Credit Profile by Occupation
Snapshot
Credit Profile by Occupation
Risk Profile by Age
Snapshot
Risk Profile by Age
Impact of Delinquencies on Credit Profile
Snapshot
Impact of Delinquencies on Credit Profile
Loan Term vs Credit Profile
Snapshot
Loan Term vs Credit Profile

All 6 charts generated successfully. Now let me also create a couple more charts for the report — a pie chart for credit score segments and a bar chart for work years analysis

Credit Profile by Gender
Snapshot
Credit Profile by Gender
Risk Profile by Marital Status
Snapshot
Risk Profile by Marital Status
Credit Cards Ownership & Risk Impact
Snapshot
Credit Cards Ownership & Risk Impact
Work Experience vs Credit Score
Snapshot
Work Experience vs Credit Score

Now let me write the summary and outline, then proceed with the PPT pipeline. First, let me select a template

Now let me proceed with the template selection

Great choice! Let me use the "pulse" template and proceed with the guideline

green
08-05 03:06:43

Guideline is done with 10 pages mapped and all 10 charts recognized. Now let me generate the presentation

Your Credit Risk Portfolio Analysis Report is ready! Here's a summary of what was delivered:


📊 Report: Credit Risk Portfolio Analysis (10 slides)

Theme: Pulse template — modern and dynamic visual style

Slide Structure

SlideTopicCharts
1Cover — Credit Risk Portfolio Analysis
2Executive Summary — Portfolio at a glance
3Credit Score Distribution — 35% Poor (300-499), avg 5791 chart
4Education & Risk Profile — Graduates, High School, College, Other1 chart
5Occupation & Credit Risk — Blue Collar lowest score, Unemployed highest1 chart
6Age & Credit Dynamics — 45-54 largest segment, Under-25 lowest scores1 chart
7Loan Term & Delinquency Analysis — 48-month most common; 62% with 0 delinquencies2 charts
8Demographics & Risk — Gender & marital status patterns2 charts
9Credit Cards & Work Experience — Cards ownership impact, work years vs credit1 chart
10Recommendations — Risk mitigation & next steps

Key Findings

  • $27.3M total loan exposure across 1,000 customers, avg $27,259 per loan
  • 35% of customers in the Poor credit range (300-499) — a significant risk concentration
  • Zero defaults recorded — this is a pre-default portfolio snapshot
  • 30.6% have 1+ delinquency — latent risk that needs monitoring
  • Education & Occupation are meaningful differentiators: Graduates borrow less, Blue Collar has lowest credit scores

The file Credit_Risk_Portfolio_Analysis_Report.pres is ready for download.

08-05 03:07:52
Generate a dashboard based on the analysis.
08-05 03:09:19

Let me load the dashboard skill to build the interactive BI dashboard

Now let me load the design template, references, and explore the data source

Now let me get the explore details and design the dashboard. First, let me get the explore info and check what charts we already have from the analysis

Now I have all the information I need. Let me write the dashboard design doc and then create the charts and dashboard. I'll reuse the existing analysis charts and create new ones for the KPIs. Let me first check what embed charts are already on disk, then create the new ones needed.

Now I need to create the 4 KPI big_number charts. Let me load the embed-chart skill for chart JSON reference, then create the charts

Let me read the sample chart files for big_number and cartesian to understand the exact JSON structure

Now I have all the reference material. I need to query the actual data to get the KPI values for the big_number charts, then write the chart JSON files. Since the analysis charts already exist from save_embed_chart, I can reuse them. Let me create the KPI charts and the dashboard JSON.

First, let me get the KPI values:

Now let me create the 4 KPI charts and the dashboard JSON. I'll use save_embed_chart for the KPI big_number charts since they work with Cube data:

Total Loan Amount
Snapshot
Total Loan Amount
Unique Customers
Snapshot
Unique Customers
Average Credit Score
Snapshot
Average Credit Score
Total Records
Snapshot
Total Records

Now let me check what chart files actually exist on disk to use the correct filenames

All 14 charts are on disk. Now let me also verify which chart JSON files exist as chart_*_config.json files for the dashboard to reference correctly

Let me check the UUID of the existing chart files to get the correct field IDs and tableName

Perfect. Now I have all the information needed. Let me also check the KPI chart JSON structure to understand the big_number format

Now I have all the field IDs. Let me write the dashboard JSON:

Let me fix the markdown tile height

Your Credit Risk Portfolio Dashboard is ready!

📊 Dashboard: credit_risk_portfolio_dashboard

Layout Structure

SectionTilesDescription
Hero KPIs4 big_number tilesTotal Loan Amount ($27.3M), Unique Customers (1,000), Avg Credit Score (579), Total Records (1,000)
Credit Quality & Delinquency2 chartsCredit Score Distribution + Delinquency Impact — side by side
Demographics & Risk Profile6 chartsOccupation, Education, Age, Loan Term, Gender, Marital Status — in 3 rows of 2

Filters Available

  • Education Level — filter all charts by education group
  • Occupation — filter all charts by occupation type

14 Charts

  • 4 KPI big numbers (portfolio metrics at a glance)
  • 10 analysis charts covering credit scores, delinquencies, occupation, education, age, loan terms, gender, and marital status

Interactive Features

  • All charts are interactive — hover, zoom, and filter
  • CSV export enabled
  • Dashboard is a single scrollable page with clear section headings and descriptive markdown tiles
08-05 03:13:58
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