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Naeem Siddiqi - Intelligent Credit Scoring: Building and Implementing Better Credit Risk Scorecards - 9781119279150 - V9781119279150
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Intelligent Credit Scoring: Building and Implementing Better Credit Risk Scorecards

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Description for Intelligent Credit Scoring: Building and Implementing Better Credit Risk Scorecards Hardback. A better development and implementation framework for credit risk scorecards Intelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. Series: Wiley and SAS Business Series. Num Pages: 464 pages. BIC Classification: KFFL. Category: (P) Professional & Vocational. Dimension: 231 x 164 x 37. Weight in Grams: 660.
A better development and implementation framework for credit risk scorecards Intelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. The credit scorecard is a powerful tool for measuring the risk of individual borrowers, gauging overall risk exposure and developing analytically driven, risk-adjusted strategies for existing customers. In the past 10 years, hundreds of banks worldwide have brought the process of developing credit scoring models in-house, while credit scores' have become a frequent topic of conversation in many countries where bureau scores are used broadly. In the United States, the FICO' and Vantage' scores continue to be discussed by borrowers hoping to get a better deal from the banks. While knowledge of the statistical processes around building credit scorecards is common, the business context and intelligence that allows you to build better, more robust, and ultimately more intelligent, scorecards is not. As the follow-up to Credit Risk Scorecards, this updated second edition includes new detailed examples, new real-world stories, new diagrams, deeper discussion on topics including WOE curves, the latest trends that expand scorecard functionality and new in-depth analyses in every chapter. Expanded coverage includes new chapters on defining infrastructure for in-house credit scoring, validation, governance, and Big Data. Black box scorecard development by isolated teams has resulted in statistically valid, but operationally unacceptable models at times. This book shows you how various personas in a financial institution can work together to create more intelligent scorecards, to avoid disasters, and facilitate better decision making. Key items discussed include: * Following a clear step by step framework for development, implementation, and beyond * Lots of real life tips and hints on how to detect and fix data issues * How to realise bigger ROI from credit scoring using internal resources * Explore new trends and advances to get more out of the scorecard Credit scoring is now a very common tool used by banks, Telcos, and others around the world for loan origination, decisioning, credit limit management, collections management, cross selling, and many other decisions. Intelligent Credit Scoring helps you organise resources, streamline processes, and build more intelligent scorecards that will help achieve better results.

Product Details

Publisher
John Wiley & Sons Inc
Format
Hardback
Publication date
2017
Series
Wiley and SAS Business Series
Condition
New
Weight
659g
Number of Pages
464
Place of Publication
New York, United States
ISBN
9781119279150
SKU
V9781119279150
Shipping Time
Usually ships in 7 to 11 working days
Ref
99-50

About Naeem Siddiqi
NAEEM SIDDIQI is the Director of Credit Scoring and Decisioning with SAS(R) Institute. He has more than twenty years of experience in credit risk management, both as a consultant and as a user at financial institutions. He played a key role in developing SAS(R) Credit Scoring and continues to provide worldwide support for the initiative.

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