Do I have to Python or can I just do math?

The beginning

The first problem on the site is to “ Find the sum of all the multiples of 3 or 5 below 1000.” I solved it like so:

You’ll have to forgive me for defining a (poorly named) method to merge two lists and eliminate duplicates. I didn’t yet know that you could concatenate two lists with just a ‘+’, and was at least a month away from sets.

As I learned more Python, it was always in the back of my head that to really move forward I needed to incorporate coding into my day-to-day. I work at an auto retail and finance company as a Manager of Strategy & Analytics, and I decided to develop a model to predict customer defaults. That meant picking up Pandas.

Even learning to read and clean the data took a significant amount of time (and the cleaning is ongoing), but I’m in the data exploration phase now. I created the following method to examine individual columns within a Pandas dataframe:

In the picture below, you can see the output of the method I created:

You can see the twin peaks in this distribution that correspond to our two different retail brands, which have differently priced inventory.

Next is building the model. The plan is to start with a logistic regression model to predict defaults and to incorporate pieces of machine learning as time allows. The hope is to supplement our internal underwriting process with a data driven model that assesses the risks associated with customer attributes and deal structure.

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