Seminar 25th November 2010 4 p.m. University of Southampton, Building 2, Room 3041
Practical experiences from credit scoring projects for Chilean micro-entrepreneurs
Cristian Bravo R.
University of Chile
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- Computer Science, Data Management, Economic Networks
- Petrina Butler
CORMSIS: Centre for Operational Research, Management Science and Information Systems presents:
from University of Chile: Cristian Bravo R.
In this talk practical experiences of developing credit scoring systems for micro-entrepreneurs - very small companies with annual incomes below 5.500 - are presented. Special emphasis is given on the differentiating factors that this particular segment brings, and the challenges that they present when attempting to measure their default risk. Two credit scoring systems were developed and installed, the first in a government institution and the second at a private bank, both with different profiles and contrasting goals, and both giving rise to interesting questions that will be discussed, such as how to define a cut-off point in the absence of profits or how to measure deviations in the prediction as the model is being used.
A guest of Professor Lyn Thomas.
Katarzyna (Kasia) Bijak
School of Management/School of Mathematics
University of Southampton
Tel: +44 (0)23 8059 8964