Application scoring plays a critical role in determining the future quality of a lender’s book. It is therefore important to monitor the performance of an application scorecard to ensure it performs as expected. Attention has so far been focused on application scorecard modeling and assembly techniques. An area that has received less consideration is application scorecard implementation. Performance measures on the accepted population appear to change in predictive power after the implementation of an application scorecard. This paper introduces and demonstrates a statistical measure to track the performance of the accepted population after the point of implementation on a comparable basis against the development window of the application scorecard.


中文翻译：

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一种增强应用记分卡监控的统计技术

应用程序评分在确定贷方账簿的未来质量方面起着至关重要的作用。因此，监控应用程序记分卡的性能以确保其按预期执行非常重要。到目前为止，注意力一直集中在应用记分卡建模和组装技术上。一个较少考虑的领域是应用记分卡的实施。在应用记分卡实施后，对接受人群的绩效衡量似乎在预测能力方面发生了变化。本文介绍并演示了一种统计措施，用于在实施点之后根据应用程序记分卡的开发窗口在可比较的基础上跟踪接受人群的表现。