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A major challenge in consumer credit risk portfolio management is to classify households according to their risk profile. In order to build such risk profiles it is necessary to employ an approach that analyses data systematically in order to detect important relationships, interactions, dependencies and associations amongst the available continuous and categorical variables altogether and accurately generate profiles of most interesting household segments according to their credit risk. Thedoi:10.2139/ssrn.2823245 fatcat:6m4g4dlvnfacpjv2oa3flrl7ga