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Acknowledgments

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As with the first edition, I am indebted to many people who have provided ideas, advice, and inspiration for the content of this book.

● I would like to thank Dr. Billie Anderson, Dr. Hendrik Wagner, Clark Abrahams, Bradley Bender, and Charles Maner for graciously agreeing to contribute very informative guest chapters to this book.

● The Roman poet Ovid once said, “A horse never runs so fast as when he has other horses to catch up and outpace.” I am grateful to the incredibly talented group of people I work with at SAS who continue to enhance my knowledge of risk management and analytics.

● I want to thank Nikolay Filipenkov and Clark Abrahams for reviewing this book and providing excellent ideas for improvements.

● I continue to learn about the contemporary issues in the industry, the challenges, and innovative ways to deal with them from my customers and colleagues in the credit scoring business. What we know today is due in large part to the generous sharing of knowledge and research work done by credit scoring practitioners. We are indebted to them.

My family – Saleha, Zainab, and Noor – who have been incredibly supportive and tolerant of my frequent work-related absences from home, and have done much of the heavy lifting at home during those times (especially during snowstorms in Markham while I am at warmer locales).

Finally, as always, I want to acknowledge my parents for encouraging me to continuously seek knowledge, and for their constant prayers and blessings, without which there would be no success.

Intelligent Credit Scoring

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