ABA - American Bankers Association

09/21/2025 | News release | Distributed by Public on 09/20/2025 22:04

Buyer's Guide: Consumer credit risk models for lenders: What to consider when developing your credit underwriting model strategy

National credit scores have been the industry backbone, but the one-size-fits-all approach can limit access to credit and performance as markets and customer behavior change. We've put together a guide to compare the three most common paths: generic models, in-house builds, and partnering with a vendor for machine learning models.

Get the guide and learn:

  • Why traditional credit models remain dominant (for now)-and where they fall short.
  • What it really takes to build and sustain your own in-house model.
  • Questions every financial institution should ask before choosing a model strategy for their consumer lending portfolios.

Read the industry insight

In Depth

  • Consumer Banking
  • Risk Management
  • Core Platform Resources
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