Reuth Kienow

Reuth has more than 14 years of credit risk management experience in the financial industry supporting a wide variety of businesses including bankcards, auto, mortgage & home lending, retailer and commercial leasing. Her experience includes scorecard and strategy development along with system implementation, scorecard validation and reporting. She also has experience leading complex and high impact projects such as designing data procurement and data management processes and optimizing portfolio management performance using a variety of statistical techniques. Prior to embarking on a career in credit risk management, Reuth spent 10 years working in the direct marketing industry providing modeling and statistical analysis support as well as managing direct mail campaigns including prospect scoring and selection and the evaluation of customer expansion opportunities. Today, Reuth shares her wealth of experience and knowledge with Experian clients leading complex and innovative projects catered to supporting clients’ needs and objectives in effectively managing risk and making strategic marketing decisions.

All posts by Reuth Kienow

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When Enough Isn’t Enough — Resampling Techniques for M...

As I mentioned in my previous blog, model validation is an essential step in evaluating a recently developed predictive model’s performance before finalizing and...

Read More When Enough Isn’t Enough — Resampling Techniques for Model Development
Understanding Validation Samples Within Model Developm...

An introduction to the different types of validation samples Model validation is an essential step in evaluating and verifying a model’s performance during development...

Read More Understanding Validation Samples Within Model Development
Designing a robust customer segmentation — Evaluation ...

In my first blog post on the topic of customer segmentation, I shared with readers that segmentation is the process of dividing customers or...

Read More Designing a robust customer segmentation — Evaluation of Potential Schemes
Designing a Robust Customer Segmentation — Generation ...

Marketers are keenly aware of how important it is to “Know thy customer.” Yet customer knowledge isn’t restricted to the marketing-savvy. It’s also essential...

Read More Designing a Robust Customer Segmentation — Generation of Potential Schemes
A Unique Approach to Reject Inference Design...

You’ve been tasked with developing a new model or enhancing an existing one, but the available data doesn’t include performance across the entire population...

Read More A Unique Approach to Reject Inference Design
Use of Swap Sets to Measure Impact of Model Changes...

You just finished redeveloping an existing scorecard, and now it’s time to replace the old with the new. If not properly planned, switching from...

Read More Use of Swap Sets to Measure Impact of Model Changes