Credit Bank Risk Analysis

Summary

This Power BI report uses the Credit Bank Risk Dataset and features ZoomCharts Drill Down PRO custom visuals for Power BI. It was submitted to the Onyx Data DataDNA ZoomCharts Mini Challenge in September 2025.

Author's Description:

Nova Bank’s portfolio analysis uncovered a hidden crisis: just 1% of loans (335 accounts) carried a staggering 79% default rate due to high Debt-to-Income ratios (≥70%), far exceeding the overall 21.9% default rate. Advanced Power BI dashboards with real-time simulation, geographic risk mapping, and interactive segmentation revealed that debt consolidation and medical loans posed the highest risks. By implementing a DTI threshold at 70%, Nova Bank can prevent 265 annual defaults, improve portfolio quality, and unlock $4.4M in annual net benefit with minimal disruption. This solution not only mitigates risk but also delivers scalable, data-driven decision support, strengthening both compliance and competitive advantage.