Скачать или смотреть Credit Risk Scorecards (2) | Development Methodology | 8 Steps Explained!

In this video, we dive into the two most important types of scorecards used by banks worldwide — Acquisition (Application) Scorecards and Behavior Scorecards. Whether you’re an aspiring Credit Risk Analyst, a Data Scientist in Banking, or just curious about how banks decide who gets a loan, this video is packed with insights! 💡

👉 What You’ll Learn in This Video
✅ The 4 key types of Credit Risk Scorecards: Acquisition, Behavior, Collection & Fraud
✅ How banks use Application Scorecards to approve/reject loans at onboarding
✅ Why Behaviour Scorecards are crucial for managing existing customers
✅ The Credit Risk Management Lifecycle (Planning → Acquisition → Service → Collection → Write-off)
✅ 8 essential steps to build a professional Application Scorecard (from data prep to validation)
✅ Real-world best practices for underwriting, model calibration, and validation

🔥 By the end, you’ll understand how banks segment customers, reduce risk, and make smarter lending decisions using scorecards. This is must-know knowledge if you want a career in Credit Risk, Risk Analytics, or Financial Data Science.

⏱️ Video Highlights

[00:30] Introduction to 4 types of scorecards
[03:46] Application Scorecards in loan underwriting
[04:18] Behaviour Scorecards for existing customers
[06:00] Credit risk management lifecycle explained
[14:48] 8 steps to build an Application Scorecard
[24:22] Model validation with Gini, KS, PSI

👨‍💻 Who Should Watch?
Students preparing for Banking Analytics & Risk roles
Professionals in Credit Risk / Risk Modeling / Risk Analytics
Data Scientists entering the financial services sector
Anyone curious about how banks measure and manage loan risk

💡 Next Video Preview: We’ll move from theory to practice — building a Credit Risk Scorecard in Python step by step!

#CreditRisk #Scorecards #BankingAnalytics