Learn / Playbooks
Playbooks
Thirteen jobs a credit risk analyst gets asked to do, each as an ordered set of steps. Every step names the tool, and every playbook ends with checks and something you can hand over. They are free to read.
Monthly portfolio review
From raw loan tape to a review pack you can defend in the room.
10 steps · 16 tools02Delinquency tracking
Buckets, roll rates and vintages, built into a dashboard that refreshes itself.
10 steps · 12 tools03Underwriting policy change
Test a cut-off or rule change before it reaches customers, and track it after.
9 steps · 11 tools04Bureau data and scoring checks
Clean bureau data, build usable variables and check the score still works.
8 steps · 10 tools05Scorecard build
Frame the problem, build the sample and the model, and turn it into score bands.
8 steps · 10 tools06Model validation
Prove a model works, is stable, and can be explained, before anyone relies on it.
7 steps · 8 tools07Early warning and leading indicators
Spot stress months before it shows in 90+.
8 steps · 10 tools08Collections strategy and agency performance
Know who to call, when, and which agency earns its fee.
10 steps · 11 tools09Fraud and first-payment-default review
Find where bad accounts come from: people, documents, branches and channels.
9 steps · 11 tools10Provisioning and ECL
Stage the book, estimate PD, LGD and EAD, and defend the number.
11 steps · 13 tools11RBI reporting and asset classification
Tag NPAs and SMAs correctly, track circulars, and be ready for inspection.
11 steps · 12 tools12Loss budget and stress testing
Set next year's loss budget, test growth against risk, and show what a bad year does.
9 steps · 11 tools13Board and risk committee pack
A pack that answers questions before they are asked.
11 steps · 11 tools