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    Neill Crossley

    Neill Crossley

    All posts by Neill Crossley

    Neill Crossley is director of product management at FICO. He has over 30 years of financial services experience, with the majority focused on the development and use of predictive and prescriptive analytics to solve business problems across the customer lifecycle. Neill has been with FICO for the last 11 years and is currently focused on managing the decision optimization and decision strategy management products. He is also a member of FICO Labs, a cross-functional team that focuses on new innovations. He brings together a rare combination of retail banking and analytics expertise, and has a proven track record of delivering innovative solutions that result in multi-million dollar benefits for clients.

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    • Garbage In, Garbage Out: Correcting Sample Bias Garbage In, Garbage Out: Correcting Sample Bias
      Garbage In, Garbage Out: Correcting Sample Bias
      February 11, 2015
      Customer Development

      On this blog, I’ve previously warned about the dangers of ignoring data sample bias, a problem often leading to predictive models that don’t perform to expectations. It’s an analytic example of “garbage in, garbage out” that, for lenders, can result in erroneous and often very expensive decisions, such as higher default rates due to extending credit to the wrong peopl…

      Neill Crossley by Neill Crossley
    • Can Focusing on Basel II Increase Your Bank’s Bad Debt? Part 3 Can Focusing on Basel II Increase Your Bank’s Bad Debt? Part 3
      Can Focusing on Basel II Increase Your Bank’s Bad Debt? Part 3
      November 24, 2014
      Customer Development

      I've been highlighting questionable modelling practices by some retail banks under the auspices of Basel II compliance, as well as offering alternate best-practice guidance. Today, in my third entry in the series, I’ll focus on the misuse of the Gini coefficient measure, which generally falls into two categories: “Chasing the Gini” Basel II has increased the f…

      Neill Crossley by Neill Crossley
    • Can Focusing on Basel II Increase Your Bank’s Bad Debt? Part 2 Can Focusing on Basel II Increase Your Bank’s Bad Debt? Part 2
      Can Focusing on Basel II Increase Your Bank’s Bad Debt? Part 2
      November 03, 2014
      Customer Development

      I’ve been blogging about problematic modelling practices that may be creeping into some retail banks under the auspices of Basel II compliance. This time, I’ll focus on two areas related to sample bias, a problem which often leads to models that don’t perform to expectations: Not building models on the population they are going to be used on In the context of…

      Neill Crossley by Neill Crossley
    • Can Focusing on Basel II Increase Your Bank’s Bad Debt? Can Focusing on Basel II Increase Your Bank’s Bad Debt?
      Can Focusing on Basel II Increase Your Bank’s Bad Debt?
      October 21, 2014
      Customer Development

      Are bad modelling practices creeping into some retail banks under the auspices of Basel II compliance? I built my first credit scorecard nearly 20 years ago, and these days I regularly work with retail banks on their approach to the predictive model lifecycle, from undertaking health checks to improving efficiencies and insight. Recently for a few banks, a concern st…

      Neill Crossley by Neill Crossley
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