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