Name: Aathif Shamail
I would say the Employment status job and credit history together are the most
important predic ve analy c algorithm. If the client is employed and has a high-
paying job with a good credit history shows that the client has a tendency to pay
the loan o on me and employment history combined with a job shows a level of
income, we could put the client in. I also think these data points mi gate the risk
of biases as they don't include gender or race. In these data points, a false posi ve
will be very expensive for the bank as it will provide the loan based on wrong
insights