Credit product profitability for a financial institution using credit scorecards is improved by providing {TAIL ~ an analysis} that results in a recommended credit cutoff score for {HEAD ~ a particular loan product} 
Credit product profitability for a financial institution using credit scorecards is improved by providing { TAIL ~ an analysis } that results in a recommended credit cutoff score for { HEAD ~ a particular loan product }
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH OTH OTH OTH OTH OTH OTH HEAD HEAD HEAD HEAD HEAD HEAD HEAD HEAD