and Behavioural Credit Scoring for Retail Lending
breakthrough technology delivers scoring models that perform better
and are more robust to changes in the economic environment than
typical statistical scorecards. Furthermore, the models are capable
of predicting not only “if” but also “when”
a delinquency or default event may occur. Our solution allows managers
to compare different multi-objective cut-off strategies and select
the one that best meets their business goals.