Welcome to the Paragon resources hub
Here you’ll find a collection of useful materials on the techniques and considerations when it comes to developing, implementing, using and managing credit risk models, as well as the latest Paragon opinion and industry developments.
The Paragon Award 2021
The Paragon Award has been given to the best paper at the University of Edinburgh Credit Research Centre’s Credit Scoring and Credit Control Conference since 2001. Find out who won in 2021 and why.
In a world of machine learning, is champion / challenger decision testing dead?
How do we ensure the better scores available from machine learning models become better decisions, when actions change the outcomes you are trying to predict? Mark Thompson argues that how you use machine learning models and test their outcomes is critically important.
Using open banking data throughout the credit lifecycle
How can open banking data enhance or even transform credit risk management, from application processing to credit management, debt recovery and fraud risk?
Data selection bias - can it be a matter of life or death?
Data gets used to create models, that get used to make decisions, such as whether an application is accepted or rejected, how much someone can borrow, for how long and at what price. Or what to sell, which transactions to authorise, whether to increase or decrease limits, how and when to chase payments and more.
With bad decisions having a profound effect on lender and customer, how does data selection bias impact the modelling that drives those decisions?
Paragon: the credit expert’s choice
“We get value from Modeller due to its efficiency, time saving and auditing features.”
CARLIEN KRUGER, SENIOR MODELLER, WESTPAC
Find out why credit risk analytics experts choose Paragon software.
Our software
Whether you’re building and deploying models, automating decisions or managing model risk and governance, Paragon’s software comes with our no compromise, valued engineering built in.