Smart Loan Predict: Leveraging Machine Learning to Anticipate Top-Up Loan Opportunities

This study develops a predictive model to identify bank customers likely to take loan top-ups, aiding targeted marketing. Using a dataset of current loans and bureau information, the data was split into training (75%), validation (15%), and test (15%) sets. The analysis employed feature selection with Random Forest and Logistic Regression, testing Random Forest, Logistic Regression, and XGBoost to enhance marketing efficiency through predictive lead generation.