ScoringLab

Use and monitor application and credit bureau scores

Course Overview

Course Description

ScoringLab is a simulation-based training course that improves a bank’s ability to use credit scoring more effectively, when managing retail portfolios.

Both risk and business staff will benefit from a rigorous understanding of how to effectively use scorecards to manage portfolio risk and profitability.

Participants will gain a deeper understanding of scorecard development, business usage, management and tracking.  In the simulation, each team must demonstrate expertise in the key areas of credit score usage, including: risk reward trade-off, trends, identifying causal factors, and using scores for customer growth.

Learning Objectives

IMPLEMENT

Articulate data requirements, implementation issues, key types of scorecards, and how they are used.

EXAMINE

Examine portfolio chronology logs, final score and characteristic analysis reports to identify important changes in the applicant population.

DEFINE

Examine key statistics that are used to define the score cut-off. List steps to build a scorecard and key decisions that require business input.

ANALYZE

Analyze portfolio performance reports in order to determine if the scorecard is effectively predicting repayment behavior.

The ScoringLab Simulation

  • Repetition

    Players repeat strategic decisions in a variety of market conditions, reinforcing learning objectives.

  • Experimentation

    The simulation provides a safe virtual environment for players to test-drive portfolio management strategies.

  • Evaluation

    Players have the opportunity to evaluate and understand the outcome of their portfolio management decisions.

  • Retention

    “Learn by Doing” approach maximizies learning retention.

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