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Table of Contents  
Introduction ....................................................................................................................1  
Building credit models in-house..................................................................................2
Building credit models with SAS® Enterprise Miner..................................................2  
SAS® Enterprise Miner process flow templates .........................................................2  
The larger credit scoring process ................................................................................3  
Choosing the right model..............................................................................................3  
Scorecards....................................................................................................................4  
Decision trees...............................................................................................................4
Neural networks............................................................................................................5  
Case study......................................................................................................................5
Scenario ........................................................................................................................5  
SAS®  Enterprise Miner process flow ............................................................................6  
Development sample....................................................................................................6
Classing ........................................................................................................................7  
Score points scaling ....................................................................................................10  
Scorecard assessment...............................................................................................11  
Decision tree ...............................................................................................................14  
Model comparison......................................................................................................15
Reject inference..........................................................................................................16  
Summary .......................................................................................................................17  
References....................................................................................................................18
Recommended reading................................................................................................18  
Credit Scoring.............................................................................................................18
Data mining.................................................................................................................19