Consumer Credit Risk Management

Overview

The book explores the history of credit scoring and analytics and the rationale behind the reliance on them. It also deals with the UK legal and regulatory regimes within which users must operate, including The Banking Code, The Business Banking Code, Treating Customers Fairly, Responsible Lending, The Competition Act 1998, the Data Protection Acts 1984 and 1998 and the Consumer Credit Act 1974.

Also covered are key features of scorecard management and maintenance. This book ...

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Overview

The book explores the history of credit scoring and analytics and the rationale behind the reliance on them. It also deals with the UK legal and regulatory regimes within which users must operate, including The Banking Code, The Business Banking Code, Treating Customers Fairly, Responsible Lending, The Competition Act 1998, the Data Protection Acts 1984 and 1998 and the Consumer Credit Act 1974.

Also covered are key features of scorecard management and maintenance. This book will give the reader an insight into the legal and regulatory constraints, such as Basel, and methods used to detect and prevent fraud and bad debt using techniques such as CIFAS. It also deals with referral and appeal systems and the benefits of credit scoring compared to judgmental lending.

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Product Details

  • ISBN-13: 9781906403218
  • Publisher: Global Professional Publishing
  • Publication date: 8/28/2008
  • Pages: 394
  • Sales rank: 1,181,826
  • Product dimensions: 6.10 (w) x 9.10 (h) x 1.10 (d)

Meet the Author

Peter Taylor is an independent consultant specializing in environmental conservation and management. He was founder and director of the Political Ecology Research Group and is a certified biologist and Member of the Institute of Biology.

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Table of Contents

Preface; Unit Specification; PART I BACKGROUND AND INTRODUCTION: 1) Consumer Credit Environment; PART II QUANTITATIVE TECHNIQUES FO CONSUMER CREDIT: 2) Data and Databases; 3) Application Scorecards; 4) Behavioural Scorecards; 5) Scorecards for Credit Marketing; 6) Financial Forecasting and Basel Rating Models; PART III STRATEGIC CREDIT MANAGEMENT: 7) Governance; 8) New Application Credit Strategies; 9) Post-Acquisition Credit Strategies; 10) Fraud Prevention Strategies; 11) The Management of Provisions and Regulatory Capital; PART IV OPERATIONAL PROCESSES FOR MANAGING CREDIT: 12) Application Processing; 13) Account Management; 14) Fraud Management; 15) Delinquent Account Management; 16) External Agents; 17) Litigation; PART V LEGISLATION, COMPLIANCE AND VOLUNTARY BODIES: 18) Legislation; 19) Regulatory and Voluntary Bodies; Answers to Review Questions; Glossary; Index.

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