PMA
is an acknowledged leader in the development and creative
use of empirically derived and statistically sound credit
scoring and behavior scoring systems. Our success in developing
custom credit scoring and behavior scoring systems results
from both careful definition of objectives and application
of appropriate analytic techniques.
Our custom-built credit scoring and behavior scoring systems
are used throughout a product's life-cycle and are designed
to answer a variety of business questions including: 
- Which prospects should be solicited?
- Which applicants should be approved or rejected?
- Which prospects are likely to respond to a promotional
offer?
- How much revenue/profit will an account produce
at key points in its life-cycle?
- What is the likelihood that a current customer
will cancel his/her relationship?
- Which transactions should be authorized?
- How much is expected to be recovered from an account
currently in collections?
The scoring systems we develop are tailored to specific
needs. We will work closely with you to clarify and refine
the objectives of the scoring system. We invite your participation
throughout the development process. By working as our
partner, you can convey the business history and provide
context to the data. Moreover, your understanding of how
the score was developed will make its implementation more
effective. To complement our scoring systems, we offer
consulting services to support implementation, launch
strategies, and on-going validations.
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