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