Скачать или смотреть Understand and Use a Business Credit Score - 5 Minute FUNdamentals

Welcome to Experian's 5 Minute Fundamentals.

How do you know if your business credit risk model is truly predicting future performance? In this video, Experian experts break down how to understand and use a business credit score — and how to validate that it’s working effectively for your lending portfolio.

A business credit score predicts the likelihood of delinquency or default, helping lenders and credit professionals make smarter, faster decisions. But every portfolio is unique — and validating your score model is critical to ensure it accurately separates good versus bad accounts in your specific customer base.

In this video, you’ll learn:
✅ How business credit scores predict near-term credit risk
✅ What model validation is — and why it matters
✅ How to read and interpret performance tables and odds charts
✅ The role of Kolmogorov-Smirnov (KS) in measuring predictive power
✅ How to determine the optimal score cutoff to maximize profit

By understanding your score’s predictive accuracy, you can make data-driven decisions, reduce losses, and fine-tune your credit strategy for maximum ROI.