The module will start by defining the concept of data analytics and demonstrating the processes in three steps: data pre-processing, data mining and post-processing. Next, we will zoom into the data mining step and distinguish three types of data mining: descriptive/diagnostic data analytics (e.g. clustering, association rules), predictive data analytics (e.g. regression and classification), and prescriptive data analytics. The module will then illustrate how machine learning models can be successfully used to develop different application areas with a focus on retail credit risk. The theoretical concepts will be illustrated using real-life application cases and the relevant software.