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

Credit scoring refers to the use of statistical models and computers to make credit decisions. It is a key element of consumer-driven economies, and is familiar to anybody who has had a loan refused by a faceless computer. The practice has evolved and been widely adopted since the early 1960s, allowing a latter-day industrial revolution in the assessment of trust. Despite its impact, there are still less than 15 English-language books on the topic; much less than for wholesale credit, even though lenders' total retail assets are often greater.

Now, for the first time, there is a single encyclopaedic source of information covering both theory and practice. Eight modules are presented: A) background and history; B) impact on, and application to, businesses; C) stats and maths; D) data; E) development process; F) implementation and use; G) the credit risk management cycle; and H) the regulatory environment. Credit scoring has borrowed from many other disciplines along the way (social sciences, engineering, psychology, etc.), and origins are documented wherever possible.

This book will provide value to anybody that needs to understand credit processes (and the tools used to support them), including academics, students, directors, managers, newcomers to the field, and even borrowers and legislators. It offers: a) a textbook to guide and instruct students, and new initiates; b) definitions of concepts and terms used by academics and practitioners; c) an academic work, accessible to anybody capable of reading at 3rd-year university level; and d) a reference work, suitable for credit risk professionals.

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