Credit Risk Management Expert in Modeling Analytics

Case Description:

A credit risk management expert was sought to opine on modeling analytics for a consumer class action against a major credit reporting organization. The class action alleged the defendant used modeling analytics contrary to providing maximum possible accuracy of information in consumer reports, as required by the Fair Credit Reporting Act. Plaintiffs maintained the defendant allowed one of its customer/subscribers to withhold certain information about its customers' credit card accounts, an omission that could have adversely affected credit scores.

IMS ExpertServices was asked to perform a credit risk management expert witness search for an expert with considerable expertise in the modeling analytics used by major credit reporting agencies. The expert was needed to review the defendant's credit reporting practices and opine on potential adverse implications in credit risk management.

Experts Presented:

  • Credit Risk Management Expert

    This credit risk management expert provides strategic and technical consulting for all aspects of credit management with a focus on small business lending. A trained statistician, he has over 25 years of credit scoring design and modeling analytics experience encompassing hundreds of reports. With over 25 years of experience in developing and implementing credit risk management solutions, he combines deep technical expertise in analytics and automated decisioning with domain knowledge of the implementation and use of credit scores for all aspects of the credit life cycle. He has an M.B.A. in decision system design and a B.A. in economics and management. IMS Reference #5021013

  • Credit Score Modeling Expert

    This expert has demonstrated proficiency as a credit risk management expert in his current role providing advanced analytics and custom modeling solutions for financial, marketing, and other applications. A former employee of one of the major credit reporting agencies, he has over 15 years of experience in statistical modeling, including credit scoring models. He’s familiar with the credit scoring variables and modeling analytics used by Equifax, TransUnion, Experian, and Innovis. He has extensive experience in credit risk management policies and has written numerous articles on the credit and marketing industries. IMS Reference #1408463

  • Corporate Finance Expert

    This expert in credit risk management is a professor of finance and director of research. His primary areas of research include bankruptcy analysis and prediction, credit and lending policies, credit risk management in banking, corporate finance and capital markets. His work gives him considerable insight into the use of modeling analytics in credit risk management. He is an experienced expert witness who has testified before the U.S. Congress, the New York State Senate and several other government and regulatory organizations. IMS Reference #1751324

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