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Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring (Wiley and SAS Business Series), by Naeem Siddiqi
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Praise for Credit Risk Scorecards
"Scorecard development is important to retail financial services in terms of credit risk management, Basel II compliance, and marketing of credit products. Credit Risk Scorecards provides insight into professional practices in different stages of credit scorecard development, such as model building, validation, and implementation. The book should be compulsory reading for modern credit risk managers."
—Michael C. S. Wong Associate Professor of Finance, City University of Hong Kong Hong Kong Regional Director, Global Association of Risk Professionals
"Siddiqi offers a practical, step-by-step guide for developing and implementing successful credit scorecards. He relays the key steps in an ordered and simple-to-follow fashion. A 'must read' for anyone managing the development of a scorecard."
—Jonathan G. Baum Chief Risk Officer, GE Consumer Finance, Europe
"A comprehensive guide, not only for scorecard specialists but for all consumer credit professionals. The book provides the A-to-Z of scorecard development, implementation, and monitoring processes. This is an important read for all consumer-lending practitioners."
—Satinder Ahluwalia Vice President and Head-Retail Credit, Mashreqbank, UAE
"This practical text provides a strong foundation in the technical issues involved in building credit scoring models. This book will become required reading for all those working in this area."
—J. Michael Hardin, PhD Professor of StatisticsDepartment of Information Systems, Statistics, and Management ScienceDirector, Institute of Business Intelligence
"Mr. Siddiqi has captured the true essence of the credit risk practitioner's primary tool, the predictive scorecard. He has combined both art and science in demonstrating the critical advantages that scorecards achieve when employed in marketing, acquisition, account management, and recoveries. This text should be part of every risk manager's library."
—Stephen D. Morris Director, Credit Risk, ING Bank of Canada
- Sales Rank: #554095 in eBooks
- Published on: 2007-07-23
- Released on: 2007-07-23
- Format: Kindle eBook
Review
"The book is a comprehensive guide for developing, implementing and monitoring credit risk scorecards." (Institute of Chartered Financial Analysts of India, November 2006)
From the Inside Flap
Using credit risk scorecards helps large companies manage and minimize their risk exposure and thus improve their bottom lines. Most books on credit scoring emphasize the statistics-related aspects; Credit Risk Scorecards emphasizes the business-related aspects. This unique, business-focused methodology results in more robust scorecard development for real-world, company-wide applications. With this guide to intelligent credit scoring, readers will:
- Have a solid foundation in statistic and data mining principles
- Understand an end-to-end scorecard development and implementation process—from a business perspective
- Know how to incorporate business knowledge to facilitate better scorecard development
- Have practical knowledge of all aspects of scorecard development and implementation, including development roles, model building, validation, implementation, and post-implementation
- Understand how to relate credit risk scoring to Basel II Accord requirements
- Know how to use scorecards to develop risk; adjusted strategies, predict delinquencies, and perform vintage curve analysis to generate highly accurate credit loss forecasts
Credit Risk Scorecards explains a generic development methodology that is applicable globally. All locations, departments, and lines of business can use the credit risk scorecard; this results in a much more accurate analysis of a company's total exposure than can be derived from reports based on the disparate methodologies of various entities.
A valuable resource for treasurers, CFOs, credit risk analysts/managers; credit scoring analyst managers; and credit risk executives in banking, retail lending, telecommunications, and insurance; as well as undergraduate and graduate students—this book helps businesses know the score!
From the Back Cover
Praise for Credit Risk Scorecards
"Scorecard development is important to retail financial services in terms of credit risk management, Basel II compliance, and marketing of credit products. Credit Risk Scorecards provides insight into professional practices in different stages of credit scorecard development, such as model building, validation, and implementation. The book should be compulsory reading for modern credit risk managers."
—Michael C. S. Wong Associate Professor of Finance, City University of Hong Kong Hong Kong Regional Director, Global Association of Risk Professionals
"Siddiqi offers a practical, step-by-step guide for developing and implementing successful credit scorecards. He relays the key steps in an ordered and simple-to-follow fashion. A 'must read' for anyone managing the development of a scorecard."
—Jonathan G. Baum Chief Risk Officer, GE Consumer Finance, Europe
"A comprehensive guide, not only for scorecard specialists but for all consumer credit professionals. The book provides the A-to-Z of scorecard development, implementation, and monitoring processes. This is an important read for all consumer-lending practitioners."
—Satinder Ahluwalia Vice President and Head-Retail Credit, Mashreqbank, UAE
"This practical text provides a strong foundation in the technical issues involved in building credit scoring models. This book will become required reading for all those working in this area."
—J. Michael Hardin, PhD Professor of StatisticsDepartment of Information Systems, Statistics, and Management ScienceDirector, Institute of Business Intelligence
"Mr. Siddiqi has captured the true essence of the credit risk practitioner's primary tool, the predictive scorecard. He has combined both art and science in demonstrating the critical advantages that scorecards achieve when employed in marketing, acquisition, account management, and recoveries. This text should be part of every risk manager's library."
—Stephen D. Morris Director, Credit Risk, ING Bank of Canada
Most helpful customer reviews
17 of 20 people found the following review helpful.
Bad choice for technical practionares
By P. N. Harfouche
I am a model expert in credit risk and it happened that I was looking for a text book that offers different approaches in calculating the score band. Offcourse, based on the great review and on the SAS icon on the back cover it seemed that this book is a good base line.(I was not able to read inside the book and now I know why the publisher didn't add this feature with amazon).It was really a disappionting buy for me, the author was talking about basics that every one in the industry should know??if there is any value of this book is the value of the sas code. AS,a buyer who is looking for a sas code to execute the very generic knowledge of the book,let me tell you that will see literary three small tables of four lines of code in each in the whole book...for practionares don't ever buy this book,for managers I don't know, they are managers and they should kow these basics, for people who knows nothing about the consumer industry then it is a good start.
Usually,I don't list any comments for any book becasue i research the book before the buy, but this book tricked me and it deserves these couple minutes of comment to pay back the publisher...Please don't list this book as a SAS book and remove the SAS icon from the back cover it is embaressing!!
4 of 5 people found the following review helpful.
Experience.
By Mr. R. A. Anderson
This review is written by the author of a competing book, so any comments made must be taken with a grain of salt.
Mr. Siddiqi's book focuses on the development of in-house scoring capabilities, covering a broad range of development and implementation issues. Unfortunately, very few references are provided. The author obviously has a lot of experience (he works for SAS Canada), but at times the limits show. There are times when I feel that without the backing of SAS, and the current high level of interest in this topic, this book would not have the same level of acceptability.
I would recommend the book, but with qualifications--basically, it should only be read in conjunction with other works on the topic, especially if you want a view on related topics (economics, history, law, credit strategy, etc.).
2 of 2 people found the following review helpful.
This is a very good intriduction book for credit risk scorecard
By Kung-shing Chang
Well, I worked for a major consumer bank in the world. This book does not target risk manager who want to know more about scorecard strategies. This book is good for a new entrant staff or students who want to be familiar with scorecard developement. I think this book is valuable because it shows that you do not have to use comprehansive tools to develope a scorecard. All you need is scorecard knowledge, basic statistics software(SAS, STATA, SPSS), and excel for reports.
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