SunGard: Risk-based Collections Part I: Judgmental Versus Statistical Models
Throughout the years I have worked in credit and collections, either doing credit analysis related to commercial lending decisions or identifying the elements that should be weighed when reviewing trade credit lines. I have seen many different scoring models used for many different purposes, including judgmental scoring models that focus on the use of credit bureau data and statistical behavior models that focus on the use of payment history.
Scoring models help credit professionals
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