Credit risk
Which loan applications are likely to default, and where should a lender set its approval cut-off?
You deliver a default model, a costed approval policy and a write-up.
Short video lessons built on real code and real data. Practise in your browser, build a portfolio, and earn a certificate anyone can verify.
The same four steps every time. Each one unlocks the next, so finishing a lesson means you really did the work.

A 10-minute video with worked examples in Python, explained line by line.
| Measure | Outliers? |
|---|---|
| Mean | Pulled a lot |
| Median | Barely moves |
Study notes with the code, key terms and common mistakes, ready to revisit.
median_income = income.median()Three coding exercises that run in your browser. Nothing to install.
A short quiz to check you understood. Score 70% to complete the lesson.
Three guided projects in different industries: the kind of problems working data scientists are asked to solve. Each one is peer reviewed against a published rubric.
Which loan applications are likely to default, and where should a lender set its approval cut-off?
You deliver a default model, a costed approval policy and a write-up.
Who is likely to miss an appointment, and which patients should get a reminder call?
You deliver a risk model and a reminder plan the clinic could run.
What drives rent across a city, and what should a new listing be priced at?
You deliver a price model, error analysis and a valuation tool.
Start with Data Science from Scratch. More tracks open as they're ready.
From “what is data science?” to building and explaining your first models, with examples from retail, health, transport, media and finance.
Pass every lesson and project, get your capstone approved by your peers, and claim a certificate with your registered name and a unique ID. Anyone can check it on our verification page, so it holds up on a CV or LinkedIn.
How verification worksNo. Data Science from Scratch starts from zero. You'll see real Python from Lesson 1, explained line by line, and practise it in your browser. There's nothing to install.
Plan for about 30 minutes per lesson: a 10-minute video, the study notes, a few practice exercises and the quiz. You can stop and pick up where you left off at any time.
Creating an account is free, and every released lesson is open during early access. If parts of a course become paid, the Plans page will show exactly what's included before you pay.
It's a certificate of course completion from Open Fraud Labs, not an accredited academic qualification. Each one has a unique ID that anyone can check on our verification page.
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