Data Analysi in R

The requirements are the below:
Generate your code in R to summarise, clean and engineer features for analysis of the data. Specifically you need to show how you extract insights from data using your skills in R. Your analysis should includes the below:
Prediction of loan default: Yes or No
Clustering and segmentation of the data to identify groups sharing characteristics
Discuss the relationships and inferences that your analysis has identified
Deploy graphical outputs of the data where necessary to aid interpretation of the findings
If you could collect one more data variable, what would you choose and why?