Insights
Beta Feature
Building credit risk models is a complex and demanding task. In addition, it requires a significant volume of data.
Palenca insights offer a list of pre-calculated variables that will help risk and data science teams make decisions with a higher degree of certainty.
Employment Insights
You can access this information by making a GET request to /accounts/:account_id/insights.
| Data | Description | Type | Example |
|---|---|---|---|
| work_duration | Median seniority of the last 3 jobs (in months). | float | 2.45 |
| salary_progression | Median percentage of salary increase for the last 3 jobs (value between 0 and 100). | float | 10.0 |
| periods_moonlighting | List with the periods in which the employee had 2 or more employers at the same time and the months that each of these periods lasted. | objects | [{'start_date': '2022-08-01', 'end_date': '2022-08-19', 'employers': ['COMPANY A', 'COMPANY B']}] |
| periods_unemployed | List with the periods in which the worker was unemployed for more than 1 month | objects | [{'start_date': '2021-05-11', 'end_date': '2022-11-16', 'month_duration': 17.1}, {'start_date': '2022-11-16', 'end_date': '2023-04-26', 'month_duration': 4.2}] |
GigInsights
You can access this information by making a GET request to /accounts/:account_id/insights-gig.
The response from this route returns a dictionary with the attributes worker_information, payment_capacity, other_gig_accounts, work_history.
Below we show tables for the most relevant attributes.
payment_capacity
| Data | Description | Type | Example |
|---|---|---|---|
| median_weekly_income | Median weekly income of the worker | float | 4699.55 |
| average_days_worked_per_week | Average number of days worked per week | float | 1.0 |
| income_percentile | Percentile in which the employee's income is found with respect to other workers. Value between 0 and 100, the higher the better. | float | 72.63 |
| income_volatility | Consistency of worker income (below_average, average, above_average) | string | above_average |
other_gig_accounts
If applicable, the route will return a list with the accounts of other platforms that the worker has connected.