Credit Score USP Example

The granting of credit, in recent years, has become one of the main sources of<br> revenues for banks. In this area, a great difficulty encountered by the manager<br> (decision maker) is the establishment of criteria that allow to carry out a credit analysis<br> that aggregates greater security for the operation and, consequently, assist in reducing<br> the default of the sector. In order to minimize this difficulty found in credit analysis, the<br> study of case of this dissertation has as its basic proposal the elaboration of a model<br> that, according to perception of the granting manager himself, help him to evaluate the<br> performance of clients credit borrowers, in those criteria deemed important by the<br> manager. For construction model, the Multicriteria Decision Support Methodology<br> (MCDA-Construtivista) was considered the most appropriate, due to its ability to<br> integrate both objective and subjective elements, thus providing an excellent<br> opportunity for generating knowledge and promotion of understanding related to<br> problems of this nature. The utilization model proposed here, it will provide an<br> opportunity to assess the borrower's performance those criteria considered important<br> by the decision-maker, thus contributing to aggregate greater agility and security for<br> the act of granting credit.