It's logical to assume that they process all data they have to find out statistics-based scorecards and after this if the quality of this rating model (scorecard) is not good enough (that is usually the truth) they accompany this model with judgmental factors. Again, I'm sure they verify...
Dear colleagues,
I'd want to share a nice tool I just found: www.plug-n-score.com
I spent 10 minutes to create a scorecard for my retail portfolio. Visual approach to statistical scorecard development is what we need for our work instead of spending days in SAS coding or graphs...
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