Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring

This chapter discusses Scorecard Development and Implementation Process, the People and the Process, and the people and the process, as well as data collection and construction, which led to the creation of the Scorecard.

Abstract

Acknowledgments. Chapter 1: Introduction. Scorecards: General Overview. Chapter 2: Development: The People and the Process. Development Roles. Intelligent Development. Development and Implementation Process: Overview. Chapter 3: Development Process, Stage 1: Preliminaries and Planning. Create Business Plan. Create Project Plan. Why Scorecard Format? Chapter 4: Development Process, Stage 2: Data Review and Project Parameters. Data Availability and Quality. Data Gathering for Definition of Project Parameters. Definition of Project Parameters. Segmentation. Methodology. Review of Implementation Plan. Chapter 5: Development Process, Stage 3: Development Database Creation. Development Sample Specification. Development Data Collection and Construction. Adjusting for Prior Probabilities. Chapter 6: Development Process, Stage 4: Development. Explore Data. Missing Values and Outliers. Correlation. Initial Characteristic Analysis. Preliminary Scorecard. Reject Inference. Final Production. Choosing a Scorecard. Validation. Chapter 7: Development Process, Stage 5: Management Reports. Gains Table. Characteristic Reports. Chapter 8: Development Process, Stage 6: Implementation. Preimplementation Validation. Strategy Development. Chapter 9: Development Process, Stage 7: Postimplementation. and Portfolio Monitoring Reports. Review. Bibliography. Index.