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    Campbell Scott

    Campbell Scott

    All posts by Campbell Scott

    Campbell Scott is responsible for global regulatory and compliance product management within the FICO® Scores team. Based out of the London office, Campbell joined FICO in 2014 from Experian UK. He has an extensive background in the development of high-quality customer solutions for both the private and public sectors, principally in highly regulated and compliance-focused environments. He also has over 25 years of experience in data management and customer identity and verification solutions.

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    • Analytics Reveal What New Credit UK Consumers Can Afford Analytics Reveal What New Credit UK Consumers Can Afford
      Analytics Reveal What New Credit UK Consumers Can Afford
      June 06, 2018
      Customer Development

      In the UK, affordability risk has been the subject of increased scrutiny by the Financial Conduct Authority, which, in consultation with lenders, has begun a process of stricter control in terms of treatment of consumers and assessment of their financial vulnerabilities. The goal has been to stop the rising numbers of British borrowers in a state of persistent debt.…

      Campbell Scott by Campbell Scott
    • Psychometrics and FICO Scores — An Odd Match? Psychometrics and FICO Scores — An Odd Match?
      Psychometrics and FICO Scores — An Odd Match?
      September 28, 2017
      Scoring Solutions

      Lenders are looking for new ways to connect with the estimated 3 billion people worldwide who fall outside the credit mainstream. These “credit invisibles” don’t have credit cards, bank accounts or credit history — so how can a lender assess their risk? To tackle this issue, FICO has launched a Financial Inclusion Initiative that leverages emerging technology, innova…

      Campbell Scott by Campbell Scott
    • A New Way to Score Credit Risk - Psychometric Assessments A New Way to Score Credit Risk - Psychometric Assessments
      A New Way to Score Credit Risk - Psychometric Assessments
      April 27, 2017
      Customer Development

      When young Russians apply for their first credit card at Sovcombank, they go through a fun, interactive survey that starts with the question, “How do you feel today?” What they’re doing is participating in a new type of psychometric credit scoring that could expand credit in markets worldwide. The scoring methodology was developed by EFL Global and marketed by FICO a…

      Campbell Scott by Campbell Scott
    • Survey: Major Gaps in Model Risk Management Survey: Major Gaps in Model Risk Management
      Survey: Major Gaps in Model Risk Management
      June 10, 2015
      Customer Development

      We’ve been blogging about our recent survey, conducted with Chartis, where we queried global financial institutions (FIs) about their capital adequacy programs. As part of the survey, we asked FIs about their practices in model risk management. What we discovered is that following industry-standard best practices is the exception, not the norm. Regulators mandate tha…

      Campbell Scott by Campbell Scott
    • Are Your Practices Amplifying the “Stress” of Stress Testing? Are Your Practices Amplifying the “Stress” of Stress Testing?
      Are Your Practices Amplifying the “Stress” of Stress Testing?
      June 04, 2015
      Customer Development

      Regulators in Europe and the US are mandating that financial institutions (FIs) embed stress testing into their Internal Capital Adequacy Assessment Process (ICAAP). But as shown by our recent survey of global FIs, conducted jointly with Chartis, most treat these stress tests purely as a regulatory compliance exercise. They are, therefore, missing a key opportunity to…

      Campbell Scott by Campbell Scott
    • Survey: How Are FIs Coping with Capital Adequacy Reforms? Survey: How Are FIs Coping with Capital Adequacy Reforms?
      Survey: How Are FIs Coping with Capital Adequacy Reforms?
      May 21, 2015
      Customer Development

      Working with Chartis, we recently completed a global survey of financial institutions about their current capital adequacy regimes. Not surprisingly, we found that many still struggle with both the pace of regulatory change as well as the best way in which to implement capital adequacy programs. After the financial crisis, a number of major reforms and new regulati…

      Campbell Scott by Campbell Scott
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