Daniela Lazo is an Industrial Engineer and Master in Operations Management graduated from the Universidad de Talca, Chile. She has worked in the banking sector focusing on credit risk modelling for four years. During those years, she has worked in monitoring credit risk models, developing credit scoring models, modelling stress test and estimating regulatory provision parameters such as probability of default and loss given default under Chilean and European regulations.
The effects of customer segmentation, borrower behaviors and analytical methods on the performance of credit scoring models in the agribusiness sector
The main aim of this study is to analyze the joint effects of customer segmentation, borrower characteristics and modeling techniques on the classification accuracy of a scoring model for agribusinesses.