What do we mean by credit data? For our purposes Credit Data
is any well-defined dataset that has direct applications in the assessment of the Credit Risk
of an individual or an organization, or, more generally, a dataset that allows the application of data driven Credit Portfolio Management
policies.
The appearance of credit data is quite familiar to
practitioners: A spreadsheet, or a table in a database, with a number of
columns and rows full of all sorts of information about borrowers and
loans. Digging into the meaning of these data collections, the logic
that binds them together, is essential for understanding what they can
be used for and what limitations and issues they may be affected by.
This new blog post explores a new angle to look at an old practice. Enjoy!