{"id":8107,"date":"2016-04-25T14:24:39","date_gmt":"2016-04-25T08:54:39","guid":{"rendered":"http:\/\/ucanalytics.com\/blogs\/?p=8107"},"modified":"2016-09-12T13:24:00","modified_gmt":"2016-09-12T07:54:00","slug":"conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru","status":"publish","type":"post","link":"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/","title":{"rendered":"In Conversation with Naeem Siddiqi &#8211; Author Credit Risk Scorecards and Credit Scoring Guru"},"content":{"rendered":"<p><a href=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg\"><img data-attachment-id=\"8130\" data-permalink=\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/naeem-siddiqi\/\" data-orig-file=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?fit=604%2C508&amp;ssl=1\" data-orig-size=\"604,508\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Naeem Siddiqi\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?fit=300%2C252&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?fit=604%2C508&amp;ssl=1\" decoding=\"async\" loading=\"lazy\" class=\" wp-image-8130 alignright\" src=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?resize=281%2C236\" alt=\"Naeem Siddiqi\" width=\"281\" height=\"236\" srcset=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?w=604&amp;ssl=1 604w, https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?resize=250%2C210&amp;ssl=1 250w, https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?resize=300%2C252&amp;ssl=1 300w\" sizes=\"(max-width: 281px) 100vw, 281px\" data-recalc-dims=\"1\" \/><\/a><\/p>\n<hr \/>\n<p>Predictive analytics is\u00a0considered one\u00a0of the sexiest professions\u00a0of our times. But where did it all start? What was the first business application of predictive analytics? It is hard to pin down one particular application but one of the earliest and highly successful applications is certainly credit risk models and retail credit scorecards.\u00a0Credit scorecards help banks assess the credit worthiness and future repayment capability of their borrowers.<\/p>\n<p>Credit scorecard development is a highly structured and well defined analytical process.\u00a0It is a good idea for every analytics and data science professional to be familiar with this process. One of the leading books to learn about retail credit risk is authored by Naeem Siddiqi titled\u00a0<em>Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring. <\/em>Additionally,<em>\u00a0<\/em>you might also want to read a few of these articles on YOU CANalytics to get started.<\/p>\n<ul>\n<li><a href=\"http:\/\/ucanalytics.com\/blogs\/category\/risk-analytics\/banking-risk-case-study-example\/\">Credit Risk Analytics Series<\/a><\/li>\n<li><a href=\"http:\/\/ucanalytics.com\/blogs\/category\/risk-analytics\/banking-risk-case-study-example\/\">Banking Case Study Example<\/a><\/li>\n<\/ul>\n<p>In YOU CANalytics&#8217; constant effort to bring the ideas and thought-process of industry leaders in analytics and data science to you, today we have Naeem Siddiqi with us.\u00a0Naeem works with SAS Institute and has played a key role in the development of SAS&#8217;s Credit Scoring capabilities.<\/p>\n<table style=\"height: 124px;\" border=\"2\">\n<tbody>\n<tr>\n<td style=\"width: 763px; background-color: #a1c3ff;\"><span style=\"color: #000080;\"><strong>Key Points We will Discuss with Naeem in this Interview<\/strong><\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 763px; background-color: #ebf4ff;\">\n<ul>\n<li><strong>A career in Risk Analytics &#8211; <\/strong>Naeem&#8217;s will share his tips for a successful\u00a0career in risk analytics. We will also learn about his own career in credit risk analysis.<\/li>\n<\/ul>\n<ul>\n<li><strong>Credit Crisis and Remedies<\/strong>\u00a0&#8211; we will discuss banking and credit crisis of 2008 that brought the global economy to its knee. Why credit scorecards and risk models failed and how to fix that.<\/li>\n<\/ul>\n<ul>\n<li><strong>Future of Retail Credit Scoring<\/strong> &#8211; \u00a0We will identify the role of big data, social media, and artificial intelligence in credit scoring. We will also explore the role of credit scorecards for the new FinTech \u00a0and peer-to-peer lending companies.<\/li>\n<\/ul>\n<ul>\n<li><strong>The Second Edition of Naeem&#8217;s Book<\/strong> &#8211; Naeem will tell us about the improvement and changes in the second edition of his book.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong><span style=\"color: #3366ff;\"><br \/>\nRoopam Upadhyay<\/span>:<\/strong> Hi Naeem, thanks for taking the time to talk to YOU CANalytics. You have authored one of the most influential books for the practitioners of retail credit risk measurement<em>.<\/em> The 2<sup>nd<\/sup> edition of this book is expected to be published later this year. What kept you busy since you published the first edition over 10 years ago?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: Lots of work and travel. I\u2019m lucky to have a job where I get to meet 40-50 banks each year and visit lots of countries. I have learned so much more in the past 10 years, and hope to incorporate some of that knowledge into the 2<sup>nd<\/sup> edition of my book. While there are a lot of regional nuances for how banks lend, the basics are pretty much the same.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><span style=\"color: #3366ff;\"><strong>Roopam<\/strong><\/span>: Between the two editions of your book on credit scorecards, in 2008, the planet has seen the worst credit crisis in its history. Where do you think credit scorecards failed in that entire fiasco?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: Credit scorecards, or models, did not cause the credit crash. Models are tools that are very useful when used judiciously, recognizing both their strengths and weaknesses. The credit crisis was a complex event that included failures of risk management, distorted incentives and some fraud. The best models in the world won\u2019t help if you use them in the wrong way, or fail to perform rudimentary due diligence such as checking for employment and income.<\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>That is a good point Naeem all predictive models require judicious and responsible usage and credit scorecards are no different.\u00a0What are the new directions in the retail credit industry for risk measurement since you wrote the first edition of your book in 2005?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: There is certainly more emphasis being placed on governance and model risk. In addition, there is on-going discussions on new algorithms. However, the vast majority of banks continue to use simple, transparent techniques such as logistic regression and scorecards. It\u2019s not a surprise given the increased emphasis on openness and governance. In many countries, credit bureaus have started, which provides new data sources for lenders. In others, lenders are looking at alternate data sources such as utility and cell phone bill payments, as well as social media data. I also see more banks creating large corporate data warehouses. These have a more comprehensive customer view, and help build better models.<\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>:<\/strong>\u00a0These are all positive changes from the risk modeling\u00a0point of view. However, do you see a possibility for a repeat of 2008 crisis in the future? What measures do you think are required to avoid such an event?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: Better governance, stronger and independent risk management functions, and sensible incentives will help. I also think better communications in terms of explaining the strengths and weaknesses of models, and how to use them properly will be key. Bankers need to do their jobs and exercise conservatism. Models get misused by people, both because they don\u2019t fully understand what models are, and in some cases also because the model builders oversell what models are.<\/p><\/blockquote>\n<p><strong>\u00a0<span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>Are the banks and financial institutions better prepared now to avoid a crisis like that?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: I think so. Basel II has helped quite a bit in creating truly independent risk functions, and many non-Basel II have adopted its recommendations as best practices. I see more focus on risk management, and creating better infrastructures for the development and maintenance of models. At SAS, we\u2019ve been very busy implementing end-to-end credit scoring solutions at hundreds of banks, which tells me that there is a lot of investment in integrated, transparent solutions to developing scorecards. All those add up to create healthier risk management environments at the banks and certainly more oversight for credit scoring.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span><\/strong>: That&#8217;s good to know that banks are now better prepared to tackle a problem like 2008. I hope the same is true for the new FinTech and\u00a0peer-to-peer lending companies. They have\u00a0grown at a fast pace across the globe since their inception some 10 years ago. How is credit underwriting different for this new industry? How does one build robust scorecards for P2P lending?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: Lending money is the same whether it\u2019s P2P or traditional banks. We should still rely on lending principles such as looking at character, capacity, collateral and conditions. I would hope that P2P lenders are using these prudent risk management principles to lend money, including the use of scores as well as policy rules. Building good scorecards is possible with large volumes of good clean data. Some P2P lenders may not be in a position to build these models as they may have very low volumes. In such cases, I would suggest using generic bureau scores and some judgment. Otherwise, the same rules of scorecard development apply for P2P lenders as for bankers.<\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>Data science and analytics have evolved to a new level in the last decade with the explosion of big data technologies. How do you see credit risk scoring change in this new environment?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: Big Data has allowed banks to do things such as more frequent scoring. For example, many credit card companies now score customers on a nightly basis, as compared to monthly in the past. What used to be done monthly is now being done daily, and what was done daily is now being calculated in real time. Many banks have invested in very large integrated data warehouses where they can now use data sources that were not available to them in the past. At SAS, our customers use for example, transactional data from ATM usage, savings and checking accounts in their behavior scorecards. Banks are also starting to build models on full populations, instead of using sampling, simply because they now have more powerful machines to do such tasks.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>Do you see a role for artificial intelligence or deep learning in credit scoring? How?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: This is certainly possible in some parts of credit risk management, such as fraud analytics. In the more traditional application and behavior scorecards, the overwhelming majority (95% of my customers at least) banks are still using the simpler, more open techniques such as logistic regression and scorecards. The barrier isn\u2019t in the absence of knowledge within the credit scoring\u00a0community. There are regulatory requirements that impose a high standard of transparency, interpretability and general openness on risk models. Banks tend to choose the methods that make compliance and audit easier.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>What is your opinion about using non-traditional data sources like social media for the development of credit scorecards?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: I would suggest a lot of caution in using those sources. There are major concerns around privacy, ethics, reputational risk, dubious causality of the data, and of course, reliability. Credit scoring is becoming a more widely known topic, and as people become aware, they can easily alter their profiles to fit what they think is good credit risk behavior. For example, we know that people who have \u2018likes\u2019 for universities and financial newspapers are better risks. There is nothing stopping anyone from creating a fake profile (or altering their own) to like these things. In my views, much of the social media data eventually relates back to the traditional data such as income and ability to pay (debt service), which is a lot more reliable and can be better explained.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>In your opinion, what are the future directions for retail lending and credit scorecards?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: I certainly see more usage of real-time data in areas such as collections and authorizations. I think the usage of more complex algorithms such as machine learning are also inevitable, but will depend on changes in the regulatory and model validation functions. We are also seeing integration between credit scoring and the finance function in terms of calculating expected losses. Banks will continue to explore more data sources such as utility, medical and phone bills, in particular for the underbanked and \u2018no hit\u2019 segments. The alternate lenders will get bigger, but that growth will depend on how they get regulated. And of course, we will continue to chase the elusive \u201coptimal\u201d answer.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><span style=\"color: #3366ff;\"><strong>Roopam<\/strong><\/span>: You started your career over 20 years ago as a risk analyst, and have become a prominent figure in the credit risk community since then. Could you tell us about your motivation and reasons when you chose risk analysis as a\u00a0career after your MBA? At what point of time in your life did you get interested in risk analysis?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: It wasn\u2019t so much of a choice actually. I graduated with my MBA and was looking for a job. I had applied to a bunch of different places and a credit risk analyst position was the first one that came through. I thought credit scoring was a good application of a mixture of technical (stats, maths) and business knowledge, so I stayed in it. I\u2019ve enjoyed working on both the banking and vendor sides. I\u2019ve also had a unique career where I have never held a job that was occupied\/existed before I took it over. Every single position has been new. I quite like creating my own path, and establishing everything from scratch. I have also been extremely lucky to have very good mentors, managers, colleagues, and clients who have generously shared their knowledge with me. I try to pass some of it forward.<\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>: <\/strong>Could you please tell us about some of the projects or assignments you have worked on in your career that you enjoyed the most?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: There have been many. I helped build some Basel II models at a bank in Asia-Pac around 2005. It was right at the beginning, so there wasn\u2019t a lot of practical experience back then. We improvised a lot. Creating analytics based champion-challenger strategies for authorizations and credit limit management back in 1993 was eye opening for me, as most banks did that sort of thing manually back then. Helping create an industry-leading credit scoring solution at SAS has been a great journey. Back in 2001\/2002, we went out with a product that allowed banks to easily develop scorecards in house. There was a lot of inertia at first, but the idea has caught on across the world. We now have bank customers using our solution to build their own scorecards in 70+ countries. Credit Scoring is truly global!<\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span>:<\/strong> What advice do you have for young professionals who want to start their careers in risk analytics and credit risk modeling?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: Get a good quantitative degree, and then immerse yourself in the business. If you are working in a bank, building scorecards is a business activity, not an academic exercise, so adapt and think accordingly. Talk to practitioners and try to understand, for example, the business of lending money, managing risk or collections etc. before starting to build scorecards. That practical advice will help you create better, more useful models. I\u2019ve seen too many grads get frustrated by the real world because they have failed to manage expectations. There is demand for credit scoring professionals in every single country that I have visited, so you have a lot of choice and bright career prospects. Just be realistic.<\/p><\/blockquote>\n<p><u><\/u><strong><span style=\"color: #3366ff;\">Roopam<\/span>:<\/strong> It\u2019s over 10 years since you published <em>Credit Risk Scorecards. <\/em>Why after so many years\u00a0have you decided to publish the 2<sup>nd<\/sup> edition?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: I thought it was about time. Actually, it was probably time many years ago, but my hectic travel and work schedule never allowed me the time to sit down and write. So, I wrote some shorter papers in the meantime. But late last year I finally decided to bite the bullet and set myself a deadline. Also I have learned a lot in the past 10 years, and I want to pass on that knowledge to others. As I mentioned earlier, I have been lucky to have had great mentors who have shared their knowledge with me. The book is my way of passing the favor forward.<strong>\u00a0<\/strong><\/p><\/blockquote>\n<p><strong><span style=\"color: #3366ff;\">Roopam<\/span><\/strong>: What are the major changes in this latest edition of your book from the previous version?<\/p>\n<blockquote><p><span style=\"color: #3366ff;\"><strong>Naeem Siddiqi<\/strong><\/span>: There will be a lot more practical examples throughout the book, including an end-to-end example using real data. The main theme of the book remains the same i.e., a very practical business friendly guide to building scorecards. I am going to put as many real-life examples, tips, and tricks in as possible. There are several new chapters on topics such as creating an infrastructure to maintain credit scorecard development, lessons from Basel II, Big Data, governance, and dealing with external vendor scorecards. I have some exciting guest authors who will be creating some of the new chapters.<\/p><\/blockquote>\n<p><span style=\"color: #3366ff;\"><strong>Roopam<\/strong><\/span>: Great to talk to you Naeem. I look forward to your latest book and all the best for the same.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Predictive analytics is\u00a0considered one\u00a0of the sexiest professions\u00a0of our times. But where did it all start? What was the first business application of predictive analytics? It is hard to pin down one particular application but one of the earliest and highly successful applications is certainly credit risk models and retail credit scorecards.\u00a0Credit scorecards help banks assess<\/p>\n<p><a class=\"excerpt-more blog-excerpt\" href=\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":8130,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"jetpack_publicize_message":"","jetpack_is_tweetstorm":false,"jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[60,54],"tags":[],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>In Conversation with Naeem Siddiqi - Author Credit Risk Scorecards and Credit Scoring Guru &ndash; YOU CANalytics |<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"In Conversation with Naeem Siddiqi - Author Credit Risk Scorecards and Credit Scoring Guru &ndash; YOU CANalytics |\" \/>\n<meta property=\"og:description\" content=\"Predictive analytics is\u00a0considered one\u00a0of the sexiest professions\u00a0of our times. But where did it all start? What was the first business application of predictive analytics? It is hard to pin down one particular application but one of the earliest and highly successful applications is certainly credit risk models and retail credit scorecards.\u00a0Credit scorecards help banks assessRead More...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/\" \/>\n<meta property=\"og:site_name\" content=\"YOU CANalytics |\" \/>\n<meta property=\"article:author\" content=\"roopam\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-25T08:54:39+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-09-12T07:54:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?fit=604%2C508&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"604\" \/>\n\t<meta property=\"og:image:height\" content=\"508\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Roopam Upadhyay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/ucanalytics.com\/blogs\/#organization\",\"name\":\"YOU CANalytics\",\"url\":\"https:\/\/ucanalytics.com\/blogs\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/ucanalytics.com\/blogs\/#logo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2015\/11\/YOU-CANalytics-Logo.jpg?fit=607%2C120\",\"contentUrl\":\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2015\/11\/YOU-CANalytics-Logo.jpg?fit=607%2C120\",\"width\":607,\"height\":120,\"caption\":\"YOU CANalytics\"},\"image\":{\"@id\":\"https:\/\/ucanalytics.com\/blogs\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ucanalytics.com\/blogs\/#website\",\"url\":\"https:\/\/ucanalytics.com\/blogs\/\",\"name\":\"YOU CANalytics |\",\"description\":\"Explore the Power of Data Science\",\"publisher\":{\"@id\":\"https:\/\/ucanalytics.com\/blogs\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ucanalytics.com\/blogs\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?fit=604%2C508&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/ucanalytics.com\/blogs\/wp-content\/uploads\/2016\/04\/Naeem-Siddiqi.jpg?fit=604%2C508&ssl=1\",\"width\":604,\"height\":508},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/#webpage\",\"url\":\"https:\/\/ucanalytics.com\/blogs\/conversation-naeem-siddiqi-author-credit-risk-scorecards-credit-scoring-guru\/\",\"name\":\"In Conversation with Naeem Siddiqi - Author Credit Risk Scorecards and Credit Scoring Guru &ndash; 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