Does Retail credit scoring help the management in taking better Credit decisions?

Research question: does Retail credit scoring help the management in taking better Credit decisions?

Introduction

I. Literature review:

1. Definition and History of Retail Credit Scoring.
2. Local and International Regulatory environment for Retail Credit Scoring:
   a. IFRS9
   b. BDL and BCCL regulations
   c. Internal policies
3. Creation of a Credit Scoring system and the problems encountered during development.
4. Problems encountered during the usage of a credit scoring systems.
5. Factors that influence the effectiveness of a credit scoring system.
   II. Diagnosis
6. Research Methodology:
   a. Statistical/quantitative
   b. Sample selection criteria
7. Description of BML’s case
8. Analysis of the findings
   III. Recommendations.

Conclusion
References.