SAS^® Credit Scoring for Banking

As any credit manager in the banking industry knows, controlling risk is a delicate business. Too much credit exposure can lead to high default rates and charge-off percentages; too little exposure often means lost business and revenue. SAS helps banks manage this balancing act with SAS Credit Scoring for Banking, which provides fast, accurate credit scoring for nearly all consumer-lending products.

In the Spotlight A Comprehensive Credit Assessment Framework Overview and implications for the subprime crisis

There is a wide range of strategies for measuring the credit worthiness of new and existing customers in the banking industry, but many of them have serious limitations. Outsourced strategies can lead to long development cycles or high annual expenditures. Makeshift in-house scoring strategies often lack the ability to access necessary data for accurate scoring, leaving credit managers with no effective way to identify how much potential income or loss rides on their decisions.

A lack of streamlined reporting can also prevent managers from disseminating this vital information to employees in a timely way.

SAS Credit Scoring for Banking combines SAS' award-winning data management, analytic and reporting capabilities to provide a powerful in-house credit scoring solution. This solution allows lenders to develop, validate, deploy and track credit scorecards faster, cheaper and more flexibly than any outsourcing alternative.

With SAS Credit Scoring for Banking, you can perform application and behavioral scoring to assess and control risk within existing consumer portfolios and to improve acquisition strategies. Through enterprise data access and collection, as well as predictive analysis, you'll get a better understanding of the specific risk characteristics and subsequent attributes that lead to delinquency, default and, ultimately, bad debt.

SAS Credit Scoring for Banking provides:

• Superior risk data collection and management. Easily access and match all prerequisite third-party bureau, application, billing-payment and collections data. Perform enhanced market segmentation and functional alignment. Build an easy-to-access, consistent, robust data mart powered by integrated data extraction, householding/deduplication, mapping and loading capabilities.

• Faster, cheaper, more flexible scorecard development. SAS Credit Scoring for Banking enables rapid in-house development, validation and implementation of application and behavioral scorecards. It also facilitates improved time-to-market performance as well as enhanced market segmentation and pricing strategies that are aligned with the bank's risk tolerance, thereby controlling bad debt and streamlining account servicing and application scoring processes.

• Unequaled performance reporting. With SAS Credit Scoring for Banking you also receive a litany of Web-based scorecard stability and portfolio performance reports. You can detect and preempt scorecard instability and deliver performance information to executive management and regulators.

Comprehensive banking intelligence
SAS Credit Scoring for Banking is available as a component of SAS Banking Intelligence Solutions, a suite of software and services that combine award-winning analytic and data warehousing technology with decades of industry experience. Through proven prebuilt processes, techniques and models, SAS Banking Intelligence Solutions speed up both implementation and results — yielding significant returns within months, not years.