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Credit Scoring For Risk Managers: The Handbook For Lenders, by Elizabeth Mays
Download Credit Scoring For Risk Managers: The Handbook For Lenders, by Elizabeth Mays
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With the growing concern about personal bankruptcy and quality of consumer lending, an effective credit scoring system is crucial to efficient and profitable lending practices. Featuring essays from seven experts in the risk management and banking/financial institution lending environment, this unique book offers valuable insights and proven techniques for developing effective credit scoring systems. It provides in-depth coverage of the roles of credit scoring, generic vs. customized scoring models, credit bureau data, scorecard development, performance measures, neural networks, project management, scorecard monitoring reports, how to use a scorecard to a lender's best advantage and much more.
- Sales Rank: #2321340 in Books
- Published on: 2003-10-03
- Original language: English
- Number of items: 1
- Dimensions: .73" h x 6.42" w x 9.22" l, 1.12 pounds
- Binding: Hardcover
- 264 pages
Review
Excellent resource for anyone managing credit in today?s environment!
This book is an excellent guide for those who develop, evaluate, or use credit scoring models.
An essential tool for credit professionals. This book provides a great introduction to scoring principles and advances new ideas abot score development and monitoring.
About the Author
Elizabeth Mays is the Director of the Retail Risk Modeling and Analytics Division for Bank One. She is a co-author of Interest Rate Risk Models: Theory and Practice (Glenlake Publishing, 1996), and is the author of Credit risk Modeling: Design and Applications (Glenlake Publishing 1999).
Most helpful customer reviews
8 of 8 people found the following review helpful.
Excellent resource for practitionars in financial services for consumers
By the-insider
This is a very practical book for anyone in the consumer risk management or non-developers of score models. Explains in plain language the practical aspects of interpreting KS scores (widely used in the credit card/mortgage/consumer finance/auto loan industries), dealing with the very pertinent issue of disparate impact (Reg B) and the even the basics of score variable analysis -including various types of biases that can come in to play.
9 of 10 people found the following review helpful.
A good collection of credit scoring related articles
By Jeomoan Kurian
I started reading this book with a low expectation but I liked the book when I was done with it !. Though it doesn't explain the statistical methods in great detail, it still is a good reading for logistics regression based scorecard development. SAS is frequently referred in the text so it's easy for a SAS user.
The chapters I thought useful:
If the reader is not very familiar with US credit bureau data, Chapter 3 gives a good summary and explains the basic structure of the bureau file its importance to consumer finance.
Chapter 4- Scorecard development, Elizabeth Mays describes step by step how a scorecard is developed using logistics regression. More importantly, those who wondered how the final points (say a FICO of 580) arrived at, scaling and assignment of point weights to attributes are specifically discussed .
Chapter 5 - Variable analysis and Reduction details the information value calculations and commonly used variable reduction methods .
Chapter 13- Scorecard Monitoring Reports describes how to track them using front end and back end reporting. Though this chapter reads exactly like a FICO article on the same subject, its a good reading.
Overall, it does not have the disadvantage many people writing. Depth of some chapters is below expectation - for example Chapter 8 Score based loss forecasting.
I recommend this for anyone in consumer lending business. esp the beginning analysts.
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