April 19, 2016
Ask Gini: Improving on the score
Dear Gini, Historically, we have managed our customers based upon the information we maintained on…
March 24, 2016
Ask Gini: How to Piece Together Rules, Strategies, & Scores
Dear Gini, I am new to risk management and feeling a bit overwhelmed (my background…
January 12, 2016
Millennials – Are They Worth the Risk?
Dear Gini, Our marketing department has run successful campaigns to attract Millennials. Now that we've…
December 2, 2015
Big Data: What You Need to Understand to Improve Decision Making
Dear Gini: My bank has been storing large volumes of transaction data and would like…
November 16, 2015
Scoring vs. Policy Rules: Connecting the Pieces
Dear Gini, I have a question regarding the relationship between policy or other types of…
October 28, 2015
Going Beyond Debt-to-Income Analysis to Get the True Picture
Dear Gini, During a recent credit policy review, management asked us why we weren't making…
September 30, 2015
Man vs. Scoring Models: Which is More Accurate?
Dear Gini: My company's "powers that be" still make many decisions based on intuition rather than…
September 10, 2015
Small Business Lending: To Consumer Score or Not To Consumer Score
Dear Gini: I am a risk manager, and my company just added small business lending…
August 12, 2015
Ask Gini: Credit Scoring Models – What’s the Expiration Date?
Dear Gini, Management is considering increasing our bad debt reserves because of the growth in our…
June 22, 2015
Ask Gini: Attrition Counseling – Learn how to Listen
Dear Gini, We have a problem. The number of accounts we are losing through attrition…
June 8, 2015
Ask Gini: Macroeconomic Indicators – Which to Follow and Which Will Lead You Off a Cliff
Dear Gini, Almost every day our senior management is asking us how we are adjusting…
June 5, 2015
Ask Gini: Adverse Selection – Street Smarts
Dear Gini, We are experiencing a significant amount of adverse selection in our medium to…
