CBA Team Contact
Nick Rose, Senior Scientist, VantageScore Solutions
ABOUT THE WEBINAR:
Trended credit data represents an important change in the way credit behaviors are reported to the three nationwide credit reporting companies (CRCs). Now, instead of providing a static snapshot of credit activity — the traditional way that credit data has been interpreted — trended credit data offers a view over time and helps assess the trajectory of consumer credit behaviors.
The result: greater predictiveness, particularly among lower-risk populations. Hear about how trended credit data can impact a lender’s bottom line and especially amongst the bankcard consumer loan category.
THIS WEBINAR WILL COVER:
TOP 3 BENEFITS TO ATTENDEES:
Nick Rose is a Senior Scientist at VantageScore Solutions, a credit scoring model developer. As an architect of the VantageScore credit scoring models, he has created and implemented advanced statistical models for the company using his skills in model design, decision analysis, data mining and pattern recognition. He also is responsible for analyzing data sets from multiple sources and providing forecasts, market trend analysis, risk and operating improvements. Specializing in research and modeling on consumers with sparse credit files and disparate impact, he most recently and successfully leveraged machine learning techniques to develop a highly predictive rank ordering capability for universe expansion population. With a Ph.D in statistics from Texas A&M and a business background, he has fueled a career in the research and analytics field for 15 years, empowering companies such as BAI Research, Intel and JP Morgan Chase.