Credit Score USP Example

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