Credit Scorecard Combination
From Open Risk Manual
Definition
Credit Scorecard Combination is the process by which an institution may combine two or more scorecards to reach an untimate conclusion in a Credit Origination/Credit Decision process
Multicard Scoring Strategies
Broadly speaking possible strategies involve either a lower level statistical integration or a higher level outcome integration. The former is more suitable when the distinct scorecards concern identical Risk, whereas the latter can address a more complex Risk Profile
- Statistical Integration
- Logical Integration
- Sequential Application
- Matrix Application