Fantastic effort so far Myles. And a very good pickup by alundracloud on the rewrite data glitch.
Will however comment that many of the graph's lack predictive validity, as you haven't controlled for confoundersI'm guessing there's significantly more AB grades in home improvement and 50-59 age group loans; and more EF grades in 20-29yo and household items (for example).
The question begs whether a "C" grade 20-29yo is more likely to default compared to a "C" grade 50-59, and similar with Home Improvements vs HH Items or Used Cars. If not those categories may already be fully explained by the grading category assigned by HM.
Commend you on your efforts so far though, top work!
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