Abstract: Pattern Recognition in Credit Scoring Analysis

Recognizing and foreseeing which credit clients will be "good or bad payers" is an important and difficult task for bank institutions and credit protection services. Using data from approximately 10,000 clients obtained from a large private Brazilian bank, we present a methodology to perform the credit scoring analysis. The methodology proposed is divided into 2 stages: statistical data analysis and the use of a model to perform the Pattern Recognition, discriminating the two groups mentioned earlier.