Fig. 6
From: Fintech platforms: Lax or careful borrowers’ screening?
Employment length by delinquency rate. Notes. This graph shows the employment length by the average delinquency rate. The empirical analysis is performed on the loan-level dataset issued from LendingClub between June 2007 and September 2018. Both current and matured loans are included. The maximum level of the working year is associated with the highest rate of delinquency