Decision Sciences

Our decision sciences team is comprised of experts in credit risk and statistics–and these same team members have experience managing business units and working for some of the world’s largest lenders.

Sample Service Offerings

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  • Credit Modeling

    Credit Modeling

    • Custom scorecard development
    • Refinement of credit risk definition
    • Reject inference
    • Model validation and monitoring

  • Account Management

    Account Management

    • Price and Profitability Optimization
    • Credit Line Assignment / Management
    • Authorization Strategies
    • Account Management Strategy

  • Fraud Modeling

    Fraud Modeling

    • Custom Scorecard Development
    • Fraud Defense Analysis
    • Fraud Model Monitoring
    • Fraud Strategy
    • Account Reissue Strategy

  • Credit Policy

    Credit Policy

    • Automated credit decisioning
    • Credit policy analysis
    • Segment level decisioning
    • LTV & term management
    • Decline analysis for portfolio growth
    • Thin file / expansion scoring and strategy
    • Loss drivers & rehash management
    • Bureau preference & tri-bureau analysis
    • Uses of alternative data sources
    • Auto dealer segmentation

  • Collections Modeling

    Collections Modeling

    • Custom Early / Mid / Late Stage Models
    • Joint Odds Analysis / Strategy Design
    • NPV-Based Work Action Modeling
    • Loan Loss Forecasting

  • Recovery Modeling

    Recovery Modeling

    • Channel optimization models
    • Propensity to pay models
    • Custom and industry score
      “swap set” analysis
    • New back/return analytics
    • Deficiency balance (lease & retail)