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Modeling guidelines with minimal dataModeling guidelines with minimal data
Know your target populationKnow your target population
Tap into business data - even minimal amount Tap into business data - even minimal amount of business performance data can be predictiveof business performance data can be predictive
Use consumer data as appropriateUse consumer data as appropriate
Segment the population Segment the population
Validate at logical intervals - can recalibrate if Validate at logical intervals - can recalibrate if necessarynecessary
Intelliscore overviewIntelliscore overview Used primarily in small business lending, commercial Used primarily in small business lending, commercial
card, leasing, telecommunications, and business card, leasing, telecommunications, and business servicesservices
Commercial IntelliscoreCommercial Intelliscore
Utilizes Utilizes commercial credit, business demographics, credit, business demographics, public record and legal informationpublic record and legal information
Small Business IntelliscoreSmall Business Intelliscore
Utilizes Utilizes commercial and consumer credit, business credit, business demographics, public record and demographics, public record and legal informationlegal information
Intelliscore models are Intelliscore models are segmented scoring systemssegmented scoring systems
Businesses within a modeling Businesses within a modeling sample are clustered or sample are clustered or segmented by common segmented by common characteristics such ascharacteristics such as
Size of businessSize of business
Credit historyCredit history
Data type availabilityData type availability
When predictors behave When predictors behave differently between clusters, the differently between clusters, the file should be segmented so the file should be segmented so the clusters can be modeled clusters can be modeled independently to capture subtle independently to capture subtle nuances in payment behaviornuances in payment behavior
Model segment integration Model segment integration
Scoring system integrates model segments into one Scoring system integrates model segments into one uniform scoreuniform score
Each Intelliscore model solution consists of several Each Intelliscore model solution consists of several modeled segments each with its own set of variables modeled segments each with its own set of variables and raw scoreand raw score
SummarySummary Wide array of business data is availableWide array of business data is available
Familiarity with how to use the data is Familiarity with how to use the data is criticalcritical
Small business is broadly defined and data Small business is broadly defined and data availability will varyavailability will vary
Segment the populationSegment the population
Commercial risk scores are predictive Commercial risk scores are predictive across several industries - and probably across several industries - and probably othersothers