The document discusses credit risk analysis methods like credit risk scoring and predictive modeling. It lists the main credit bureaus in India like CIBIL, Equifax, and Experian that collect consumer credit data in the Metro 2 format, which includes different data segments. The credit bureaus analyze the data and calculate credit scores that are provided to lenders.

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!