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：商业统计在企业层面实施数据驱动战略规划中发挥着关键作用，通过运用各类分析方法，此类规划的成果能帮助企业优化决策流程或降低组织风险。本研究为名为LendingClub的金融公司提出了一项基于统计分析的战略规划，该规划包括探索构建大数据平台及先进特征选择能力的可行性。该规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放贷的风险。本研究针对公司关注的不同假设进行验证，结果表明贷款金额对借款人违约数量有显著影响。此外，该战略规划还提出引入机器学习等先进分析技术，使公司能够构建更具泛化能力的数据驱动预测模型。