Customer : POPULUS FINANCE GROUP

Problem Statement

Required a Power BI matrix to show loan eligibility based on state-specific credit score cutoffs.

• Each applicant needed to be compared against a dynamic threshold that changes based on the selected state
• Required conditional formatting
  • Green if eligible (loan approved)
  • Red if not eligible
• Power BI's default conditional formatting did not support complex, row-level logic based on dynamic thresholds.

Objective

• Implement Conditional Formatting Based on Dynamic Business Logic.
• Overcome Limitations of Default Conditional Formatting Options.
• Apply Colour Formatting Based on Eligibility Outcome.
• Ensure Formatting Reacts to User Selections and Filters.
• Maintain Visual Clarity and Data Integrity.

Implementation

• Created a DAX measure to compare applicant credit score with the state-specific threshold.
• Used a lookup table for dynamic credit score cutoffs by state.
• Calculated eligibility status: "Eligible" or "Not Eligible".
• Applied conditional formatting in the matrix using field value:
  • Green = Eligible
  • Red = Not Eligible
• Formatting updates dynamically based on state selection.

Solution

• Created a state-wise cutoff table with credit score thresholds and max loan limits.
• Used Dax Measures to :
  • Compare Each applicant's credit score with their state's cutoff
  • Return background colour codes for conditional formatting
• Applied field-based conditional formatting in the matrix visual using these DAX measures Built summary metrics using DAX to show:
  • Number of loans within cutoff range.
  • Number of loans outside cutoff range.

Outcome

• Delivered a dynamic and interactive Power BI report.
• Enabled accurate row-level conditional formatting despite native limitations.
• Improved visual clarity and loan decision-making across different states.
• Stakeholders could now analyse loan approvals by state in real time with confidence.