The Credit Scoring Toolkit: Theory and Practice for Retail Credit Risk Management and Decision Automation

Preface ; A SETTING THE SCENE ; 1. Credit scoring and the business ; 2. Credit micro-histories ; 3. The mechanics of credit scoring ; B RISKY BUSINESS ; 4. The theory of risk ; 5. Decision science ; 6. Assessing enterprise risk ; C STATS AND MATHS ; 7. Predictive statistics 101 ; 8. Measures of separation/divergence ; 9. Odds and ends ; D DATA! ; 10. Data considerations and design ; 11. Data sources ; 12. Scoring structure ; 13. Information sharing ; 14. Data preparation ; E SCORECARD DEVELOPMENT ; 15. Transformation ; 16. Characteristic selection ; 17. Segmentation ; 18. Reject inference ; 19. Scorecard calibration ; 20. Validation ; 21. Development management issues ; F IMPLEMENTATION AND USE ; 22. Implementation ; 23. Overrides, referrals, and controls ; 24. Monitoring ; 25. Finance ; G RISK MANAGEMENT CYCLE ; 26. Marketing ; 27. Application processing ; 28. Account management ; 29. Collection and recoveries ; 30. Fraud ; H REGULATORY ENVIRONMENT ; 31. Regulatory concepts ; 32. Data privacy and protection ; 33. Anti-discrimination ; 34. Fair lending ; 35. Capital adequacy ; 36. Know your customer (KYC) ; 37. National differences ; Z REFERENCE MATERIALS ; 38. Glossary / Dictionary ; 39. Bibliography ; 40. Appendices ; INDEX

This is an extremely valuable and timely book on a very important topic ... Anderson has provided a great service to all who use Credit Scoring techniques. Barry Scholnick PhD, Eric Geddes Associate Professor of Business, University of Alberta It is a superb mixture of a practical how to do guide for those wanting to use and develop credit scoring together with a way of putting the decisions it supports in context and the techniques it uses in a general modelling framework. Professor Lyn Thomas, Professor of Management Science, Scholl of Management, University of Southampton