Models & Scores

Loading...
Beyond Basic Data Sampling for Model Development...

Your model is only as good as your data, right? Actually, there are many considerations in developing a sound model, one of which is...

Read More Beyond Basic Data Sampling for Model Development
4 Features You Need in an Analytical Environment...

I believe it was George Bernard Shaw that once said something along the lines of, “If economists were laid end-to-end, they’d never come to...

Read More 4 Features You Need in an Analytical Environment
Machine learning and Extreme Gradient Boosting...

This is an exciting time to work in big data analytics. Here at Experian, we have more than 2 petabytes of data in the...

Read More Machine learning and Extreme Gradient Boosting
Getting Beyond the Binary to Solve the Business Proble...

If your company is like many financial institutions, it’s likely the discussion around big data and financial analytics has been an ongoing conversation. For...

Read More Getting Beyond the Binary to Solve the Business Problem of Big Data
Machine learning for real-world credit risk...

Machine learning (ML), the newest buzzword, has swept into the lexicon and captured the interest of us all. Its recent, widespread popularity has stemmed...

Read More Machine learning for real-world credit risk
5 Secrets to Outsourcing Data Science Successfully...

The August 2018 LinkedIn Workforce Report states some interesting facts about data science and the current workforce in the United States. Demand for data...

Read More 5 Secrets to Outsourcing Data Science Successfully
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
Is that consumer a good or bad credit risk?...

According to our recent research for the State of Alternative Credit Data, more lenders are using alternative credit data to determine if a consumer...

Read More Is that consumer a good or bad credit risk?
New analysis on the state of alternative credit data...

The traditional credit score has ruled the financial services space for decades, but it‘s clear the way in which consumers are managing their money...

Read More New analysis on the state of alternative credit data
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
4 Types of Alternative Credit Data You Should Be Using...

Alternative credit data sources make it possible for lenders to gain a more holistic view of existing and potential client bases, enabling them to...

Read More 4 Types of Alternative Credit Data You Should Be Using Now
Industry’s first tri-bureau trended attributes to help...

Traditional credit attributes provide immense value for lenders when making decisions, but when used alone, they are limited to capturing credit behavior during a...

Read More Industry’s first tri-bureau trended attributes to help lenders better serve consumers
Trended attributes: key to segmentation strategy devel...

Today’s consumer lending environment is more dynamic and competitive than ever, with renewed focus on personal loans, marketplace lending and the ever-challenging credit card...

Read More Trended attributes: key to segmentation strategy development