Gain insight into your portfolio and design more profitable strategies with scoring validations

Generic performance (odds) charts can help you understand a scoring model’s predictive performance to better set cutoff thresholds, but these charts are generated on a sample population, which may not reflect the behavior of your clients or the current economic landscape. Our Scoring Validation Suite allows you to compare multiple credit scores on your portfolio so you can understand how each score performs on your unique customers. In addition to meeting regulatory requirements, validation results can provide insights that help you determine which score is most predictive for your business, identify optimal score cutoffs and design better lending strategies across the customer lifecycle.

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Validate credit score performance on your portfolio

Maximize performance

Compare multiple scoring models to determine the most effective score and cutoffs for your lending objectives.

Enhance decisioning

Refine your strategies based on insights that better predict the behavior of your through-the-door consumer populations.

Stay compliant

Effectively meet regulatory requirements for ongoing validations and model transparency.

Design better lending strategies while meeting regulatory requirements

Learn more about our Scoring Validation Suite

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Conducting model validations can help you:

  • Ensure you’re using the most predictive scoring model available by comparing several scores at once. 
  • Determine which score cutoffs work best in order to design profitable acquisition and risk-based pricing strategies.
  • Make more profitable lending decisions.  
  • Receive score distribution and risk-level information on your portfolios to assist with implementing a new model or switching between models. 
  • Comply with Regulation B validation requirements. 
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Resources

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Make smarter, faster decisions with a custom machine learning model

Learn how ML-driven models can help increase customer acquisitions.
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Effectively navigating today's economic environment

Gain insight into the latest economic and market trends impacting financial institutions.
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Model and strategy management for market volatility

Explore three actions that can help you proactively monitor your credit risk models.

Set more profitable strategies while mitigating risk

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