Scorecard Development & Monitoring Risk Management Consulting Basel II Training MIS Ad-Hoc Analysis		We have wide ranging experience of developing scorecards for many products in numerous markets around the world. We pride ourselves on our post-delivery service: how our clients use our scorecards is as important as the scorecard itself. We help the client to develop their strategy and maximize their investment in scoring. The scorecards that we can provide fall into the following two categories Application Scores Application scores are developed using the information provided by the customer on the application. This information can be augmented by credit bureau reports and information from any existing relationship with the customer. In general these scores are used to predict the probability of the customer defaulting and are used to underwrite a credit proposal. Behaviour Scores Behaviour scores are developed using the information on the account activity of an existing customer. Where customers have more that one account it is possible to develop an overall customer score using information from all accounts. These score are used for multiple purposes but are generally used for risk management and marketing purposes. The key benefit of scoring customers is that it provides the client with an objective numerical prediction of their future bahaviour. This can be used to build clear, auditable, strategies for making decisions that are easily automated.

We have wide ranging experience of developing scorecards for many products in numerous markets around the world.

We pride ourselves on our post-delivery service: how our clients use our scorecards is as important as the scorecard itself. We help the client to develop their strategy and maximize their investment in scoring. The scorecards that we can provide fall into the following two categories

Application Scores

Application scores are developed using the information provided by the customer on the application. This information can be augmented by credit bureau reports and information from any existing relationship with the customer. In general these scores are used to predict the probability of the customer defaulting and are used to underwrite a credit proposal.

Behaviour Scores

Behaviour scores are developed using the information on the account activity of an existing customer. Where customers have more that one account it is possible to develop an overall customer score using information from all accounts. These score are used for multiple purposes but are generally used for risk management and marketing purposes.

The key benefit of scoring customers is that it provides the client with an objective numerical prediction of their future bahaviour. This can be used to build clear, auditable, strategies for making decisions that are easily automated.