This PPT gives information about credit scoring is done in banks.

1. By,
Jigar – Finance
Ankit – Finance
Hemant – Marketing
Hardik - Systems

2.  Credit Risk Analysis Method
 Working of Credit Bureau

3.  Hotspot Profiling of Risky Credit Segments
 Credit Risk Predictive Modeling or Loans Default Predictive Modeling
 Credit Risk Scoring

5.  Neural Network
 Regression
 Decision Tree
 Other advanced analytical methods

6.  Credit Information Bureau India Limited (CIBIL)
 Equifax *
 Experian
 High Mark Credit Information Services
* Largest in the world

7. Loan
Customer
Escrow
Collateral
CREDIT BUREAU
AGENCY
QUATERL
Y/HALF
YEARLY
DATA IN METRO 2
FORMAT
ANALYZING &
CALCULATING SCORE
CREDIT SCORES

8.  Metro 2 Format - Header Record
 Metro 2 Format - Base Segment
 Metro 2 Format - J1 Segment
 Metro 2 Format - J2 Segment
 Metro 2 Format - K1 Segment
 Metro 2 Format - Trailer Record

9. Example of Header Segment
 Information necessary to identify the reporting entity or agency

10.  Primary consumer's identification information
 Account transactional information

11. J1 Format:
 Associated consumer resides at the same address as the individual being reported
J2 Format:
 Associated consumer resides at a different address than the individual being reported

12.  Included whenever an account is reported by collection agencies or others

13. Thank you,
I shall be always in your debt for
listening!