Congratulations on staying until the end of this chapter! You have learnt several important things by now which we have covered in this chapter. You now have an idea about one of the most important areas in the financial domain, that is, Credit Risk analysis. Besides this, you also gained significant domain knowledge about how banks analyze customers for their credit ratings and what kind of attributes and features are considered by them. Descriptive and exploratory analysis of the dataset also gave you an insight into how to start working from scratch when you just have a problem to solve and a dataset given to you! You now know how to perform feature engineering, build beautiful publication quality visualizations using ggplot2, and perform statistical tests to check feature associations. Finally, we wrapped up our discussion by talking about feature sets and gave a brief introduction to several supervised machine learning algorithms which will help us in the next step of predicting credit risks. The most interesting part is yet to come, so stay tuned!