DTI and Credit Decisioning: How Effective is Your Recipe?
Debt-to-income (DTI) is one of the most critical ratios that financial institutions consider when determining the approval or rejection of…
Top 5 Indirect Lending Mistakes to Avoid
Here are the five most common mistakes lenders make when operating their indirect lending programs and how decision analytics and…
How to Avoid Silo Analytics for Improved Credit Decisioning (Part 2)
In the second part of this series, we look at how institutions can avoid a decentralized and fragmented process with…
Why a One-Size-Fits-All Approach is a Bad Plan for Profitable Credit Decisioning
Generic scorecards that use large, general populations are good at predicting payment behavior on an average population, but custom scorecards…
Credit Decisioning’s Three Lines of Defense for Risk Management
Learn why the most successful lending institutions use a risk management strategy/model based on three lines of defense across departments
4 Credit Decisioning Variables for Detecting & Preventing Fraud
Credit fraud is on the rise, so here are the top variables for providing an assessment of fraud in your…
Custom Scorecards: Your Ticket to More Success
Custom scorecards help lenders make more efficient decisions by providing more precision in targeting applications with a lower risk profile…