Business statistics play a crucial role in implementing a data-driven strategic plan at the enterprise level to employ various analytics where the outcomes of such a plan enable an enterprise to enhance the decision-making process or to mitigate risks to the organization. In this work, a strategic plan informed by the statistical analysis is introduced for a financial company called LendingClub, where the plan is comprised of exploring the possibility of onboarding a big data platform along with advanced feature selection capacities. The main objectives of such a plan are to increase the company's revenue while reducing the risks of granting loans to borrowers who cannot return their loans. In this study, different hypotheses formulated to address the company's concerns are studied, where the results reveal that the amount of loans profoundly impacts the number of borrowers charging off their loans. Also, the proposed strategic plan includes onboarding advanced analytics such as machine learning technologies that allow the company to build better generalized data-driven predictive models.

翻译：商业统计学在企业层面实施数据驱动型战略计划中发挥着关键作用，以运用各类分析方法。此类计划的成果能使企业提升决策流程或降低组织风险。本研究针对名为LendingClub的金融公司，提出了一项基于统计分析的战略计划，该计划包含探索引入大数据平台及先进特征选择能力的可能性。该计划的主要目标是在增加公司收入的同时，降低向无法偿还贷款的借款人发放贷款的风险。本研究对旨在解决公司关注问题的多项假设进行了验证，结果表明贷款金额显著影响违约借款人的数量。此外，该战略计划还建议引入机器学习技术等先进分析方法，使公司能够构建更优的通用数据驱动预测模型。