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Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring (Wiley and SAS Business Series)
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Customer Reviews
Rating:  - This is a very good intriduction book for credit risk scorecard
Well, I worked for a major consumer bank in the world. This book does not target risk manager who want to know more about scorecard strategies. This book is good for a new entrant staff or students who want to be familiar with scorecard developement. I think this book is valuable because it shows that you do not have to use comprehansive tools to develope a scorecard. All you need is scorecard knowledge, basic statistics software(SAS, STATA, SPSS), and excel for reports.
Rating:  - Bad choice for technical practionares
I am a model expert in credit risk and it happened that I was looking for a text book that offers different approaches in calculating the score band. Offcourse, based on the great review and on the SAS icon on the back cover it seemed that this book is a good base line.(I was not able to read inside the book and now I know why the publisher didn't add this feature with amazon).It was really a disappionting buy for me, the author was talking about basics that every one in the industry should know??if there is any value of this book is the value of the sas code. AS,a buyer who is looking for a sas code to execute the very generic knowledge of the book,let me tell you that will see literary three small tables of four lines of code in each in the whole book...for practionares don't ever buy this book,for managers I don't know, they are managers and they should kow these basics, for people who knows nothing about the consumer industry then it is a good start.
Usually,I don't list any comments for any book becasue i research the book before the buy, but this book tricked me and it deserves these couple minutes of comment to pay back the publisher...Please don't list this book as a SAS book and remove the SAS icon from the back cover it is embaressing!!
Rating:  - A fantastic book for managers
A fantastic book for managers. The development of scorecards involves seriously sophisticated statistics, such that without a Phd in statistics, there is no point in trying. Due to this, most books on this topic fall into one of two categories: 1. Far too mathematically advanced for ordinary readers. 2. So basic as to be of no practical use. This book is somewhere in the middle. Thus, it caters for managers, providing easy to understand, yet thorough plain English explanations of all key topics, while not losing the reader in advanced maths. At the same time, it contains enough maths to provide managers with basic maths training an insight into the statistical techniques involved in scorecards. Although far too basic for statistical experts who have the job of developing scorecards, this is a fantastic book for managers who want to gain a solid grasp of the issues.
Rating: - Great Starting Point for Scorecard Development
This is an excellent resource for people and organizations creating scorecards. It covers a wide assortment of topics in just enough detail to provide the "nuts and bolts." The author provided much of the material for The SAS Institute's training program on scorecard development as well. NOTE: the volume is somewhat slim and should not be considered an "encyclopedia," so if that's what you need, you'll need to augment this with other resources.
Rating:  - Experience.
This review is written by the author of a competing book, so any comments made must be taken with a grain of salt.
Mr. Siddiqi's book focuses on the development of in-house scoring capabilities, covering a broad range of development and implementation issues. Unfortunately, very few references are provided. The author obviously has a lot of experience (he works for SAS Canada), but at times the limits show. There are times when I feel that without the backing of SAS, and the current high level of interest in this topic, this book would not have the same level of acceptability.
I would recommend the book, but with qualifications--basically, it should only be read in conjunction with other works on the topic, especially if you want a view on related topics (economics, history, law, credit strategy, etc.).
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