LEADER 02864nam 2200493 450 001 9910812224503321 005 20230809233524.0 010 $a1-119-28233-0 010 $a1-119-28229-2 010 $a1-119-28239-X 035 $a(CKB)4330000000009934 035 $a(MiAaPQ)EBC4770924 035 $a(Au-PeEL)EBL4770924 035 $a(CaPaEBR)ebr11318627 035 $a(CaONFJC)MIL979352 035 $a(OCoLC)967587893 035 $a(EXLCZ)994330000000009934 100 $a20170104h20172017 uy 0 101 0 $aeng 135 $aurcnu|||||||| 181 $2rdacontent 182 $2rdamedia 183 $2rdacarrier 200 10$aIntelligent credit scoring $ebuilding and implementing better credit risk scorecards /$fNaeem Siddiqi 205 $aSecond edition. 210 1$aHoboken, New Jersey :$cWiley,$d2017. 210 4$dİ2017 215 $a1 online resource (459 pages) $cillustrations (some color), tables 225 1 $aWiley and SAS Business Series 311 $a1-119-27915-1 320 $aIncludes bibliographical references and index. 330 $aIntelligent Credit Scoring presents a business-oriented process for the development and implementation of risk prediction scorecards. The credit scorecard is a powerful tool for measuring the risk of individual borrowers, gauging overall risk exposure and developing analytically driven, risk-adjusted strategies for existing customers. In the past 10 years, hundreds of banks worldwide have brought the process of developing credit scoring models in-house, while 'credit scores' have become a frequent topic of conversation in many countries where bureau scores are used broadly. In the United States, the 'FICO' and 'Vantage' scores continue to be discussed by borrowers hoping to get a better deal from the banks. While knowledge of the statistical processes around building credit scorecards is common, the business context and intelligence that allows you to build better, more robust, and ultimately more intelligent, scorecards is not. As the follow-up to Credit Risk Scorecards, this updated second edition includes new detailed examples, new real-world stories, new diagrams, deeper discussion on topics including WOE curves, the latest trends that expand scorecard functionality and new in-depth analyses in every chapter. Expanded coverage includes new chapters on defining infrastructure for in-house credit scoring, validation, governance, and Big Data.--$cProvided by Publisher. 410 0$aWiley and SAS business series. 606 $aCredit scoring systems 615 0$aCredit scoring systems. 676 $a658.88 700 $aS?iddi?qi?$b Na?i?m$0638438 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910812224503321 996 $aIntelligent credit scoring$94050219 997 $aUNINA