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.