FICO® Member Score offers a credit risk assessment score predicting the likelihood of default at the member level. The Member Score generates a member-level score, which can be a powerful tool in multiple phases of members’ credit lifecycle, including originations, account management, and collections.

Developed to run natively on FICO® Platform using the Analytics and Machine Learning Capability, the Member Score utilizes 12 months of historical information for all the accounts associated with each member, including internal relationship data such as checking, deposit, revolving, and loan accounts. 

There are seven segments in the Member Score model suite, based on the types of available products each member holds. The Member Score shows strong performance in key metrics, such as AUC, KS, and the ability to capture the “bad” accounts at various cutoffs. The odds-to-score relationship also shows that the models rank-order member risk well, with higher scores corresponding to higher odds (lower default risk).