Ask Gini: Improving on the score
April 19, 2016
Ask Gini: Improving on the score
Dear Gini, Historically, we have managed our customers based upon the information we maintained on…
Ask Gini: How to Piece Together Rules, Strategies, & Scores
March 24, 2016
Ask Gini: How to Piece Together Rules, Strategies, & Scores
Dear Gini, I am new to risk management and feeling a bit overwhelmed (my background…
Accounting for Economic Data – How to Stop Looking in the Rearview Mirror
Dear Gini, We established our underwriting strategies sometime ago, and we monitor them regularly. Management…
Debit Card vs. Credit Card: Which Is Better for Your Customer To Use?
Dear Gini, Customers often ask me whether they should use their credit card or debit…
Millennials – Are They Worth the Risk?
January 12, 2016
Millennials – Are They Worth the Risk?
Dear Gini, Our marketing department has run successful campaigns to attract Millennials. Now that we've…
Big Data: What You Need to Understand to Improve Decision Making
December 2, 2015
Big Data: What You Need to Understand to Improve Decision Making
Dear Gini: My bank has been storing large volumes of transaction data and would like…
Scoring vs. Policy Rules: Connecting the Pieces
November 16, 2015
Scoring vs. Policy Rules: Connecting the Pieces
Dear Gini, I have a question regarding the relationship between policy or other types of…
Going Beyond Debt-to-Income Analysis to Get the True Picture
October 28, 2015
Going Beyond Debt-to-Income Analysis to Get the True Picture
Dear Gini, During a recent credit policy review, management asked us why we weren't making…
Man vs. Scoring Models: Which is More Accurate?
September 30, 2015
Man vs. Scoring Models: Which is More Accurate?
Dear Gini: My company's "powers that be" still make many decisions based on intuition rather than…
Small Business Lending: To Consumer Score or Not To Consumer Score
September 10, 2015
Small Business Lending: To Consumer Score or Not To Consumer Score
Dear Gini: I am a risk manager, and my company just added small business lending…
Ask Gini: Predictive Scoring Models – Can They Change on the Fly?
Dear Gini, My company is replacing several of its scoring models and adjusting its strategies…
Ask Gini: Credit Scoring Models – What’s the Expiration Date?
August 12, 2015
Ask Gini: Credit Scoring Models – What’s the Expiration Date?
Dear Gini, Management is considering increasing our bad debt reserves because of the growth in our…
Ask Gini: Attrition Counseling – Learn how to Listen
June 22, 2015
Ask Gini: Attrition Counseling – Learn how to Listen
Dear Gini, We have a problem. The number of accounts we are losing through attrition…
Ask Gini: Customer Level – Your Customers are Customers, Not Products!
Dear Gini, All of our models and strategies are built at the account level, such…
Ask Gini: Macroeconomic Indicators – Which to Follow and Which Will Lead You Off a Cliff
June 8, 2015
Ask Gini: Macroeconomic Indicators – Which to Follow and Which Will Lead You Off a Cliff
Dear Gini, Almost every day our senior management is asking us how we are adjusting…
Ask Gini: Adverse Selection – Street Smarts
June 5, 2015
Ask Gini: Adverse Selection – Street Smarts
Dear Gini, We are experiencing a significant amount of adverse selection in our medium to…
Ask Gini: Rate Chasers – Which to Keep and How to Retain Them
Dear Gini, Our mortgage attrition rates are rising because market rates are decreasing and competition…
Ask Gini: Building Predictive Models – Strap on a Hard Hat
Dear Gini, I’m in collections and our first payment defaults are very high. Are there…
Ask Gini: Basel II IRB Capital Calculations – It’s all Greek to Me
Dear Gini, I’ve been tasked with implementing the Basel II IRB Capital Calculations. I was…
Afraid to admit that RARoEC, RWA, EL, CCF and UL sound like alphabet soup?
If you’re afraid to admit that you don’t know the difference between an RWA, a…