Credit Score Modeling Expert in Risk Management

Case Description:

A credit score modeling expert was requested for a consumer class action alleging failure to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports, as required by the Fair Credit Reporting Act. During the class period the defendant, a national consumer credit reporting agency, allowed one of its subscribers to withhold the credit limits on its customers’ credit card accounts. The class alleged the defendant's modeling analytics methodology for credit scoring potentially made it appear that credit card customers had used more of their available credit than was actually the case, thus lowering the scores upon which credit risk management professionals base decisions.

IMS ExpertServices was asked to locate an expert in credit score modeling analytics to opine on potential adverse affects in credit risk management. The client sought an expert who was extremely knowledgeable of credit risk analysis.

Experts Presented:

  • Credit Risk Management Expert

    A credit score modeling expert with over 25 years of credit scoring design and development experience, this expert has worked for both Fair Isaac and Company and Equifax during his long credit management career. His extensive experience encompasses variable formulation, modeling analytics, and credit risk management expertise. He has considerable technical expertise in modeling analytics and automated decisioning as well as the use of credit scores in all aspects of the credit life cycle. Additionally, he is an experienced expert witness who has given expert witness testimony in deposition. IMS Reference #5021013

  • Credit Score Modeling Expert

    This credit score modeling expert currently provides advanced analytics and custom modeling solutions for financial, marketing, and other applications. With over 15 years of experience in statistical modeling including credit scoring models, he has worked for such firms as Equifax and Experian and is well versed credit risk management policies. As a skilled analytics and modeling practitioner, this expert has spent over a decade in analytical development, including creation of specifications using credit scoring variables, and is familiar with the modeling analytics of Equifax, Experian, TransUnion, and Innovis. He has written numerous articles on statistical modeling and on the practical applications of models in the credit and marketing industries. IMS Reference #1408463

  • Corporate Finance Expert

    This expert in credit risk management and modeling analytics is a renowned researcher and consultant with expertise in bankruptcy analysis and prediction, credit and lending policies, risk management in banking, corporate finance and capital markets. He has been a consultant to several government agencies, major financial and accounting institutions and has testified before the U.S. Congress, the New York State Senate and several other government and regulatory organizations. This expert has published extensively on topics such as corporate finance, securities and investment risk, and credit risk management. IMS Reference #1751324

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