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Portfolio data preparation
- Automatic and manual sampling
- Good/Bad records marking
- Visual "Good", "Bad" and "Indeterminate" borrowers representation
- Graphical statistics
- Easy column and records inclusion/exclusion
- Portfolio data filtering, sorting and re-assignment
- Separate statistics for training and out-of-sample validation subsets
- Portfolio data import from MS Excel, CSV and TXT files
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Variables selection
- Goods/Bads distributions
- Bad Rate and WOE for each category
- Automatic and manual binning
- Binning and distribution visualization
- Information values for each category
- Separate statistics for training and out-of-sample validation subsets
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Scorecard design
- Forward stepwise and backward stepwise regression
- Auto adjustment for prior probabilities – 2 methods
- Auto scaling by odds
- Score points range selection
- Visual cut-off point definition
- Visual score bands definition
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Graphs and Reports
- ROC curve
- K-S curve
- Strategy curve
- Marginal event vs Score
- Probability Distribution
- Score Points Distribution
- Risk Segments
- Approval vs Bad Rate
- Export to MS Excel
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