Jonathan Crook is a Professor, Deputy Dean and Director of Research at the University of Edinburgh Business School and Director of the Credit Research Centre at the University of Edinburgh. He has researched into credit scoring and the demand and supply of credit since the late 1980s. He has published a large number of papers, mostly in the areas of credit scoring and credit availability in journals such as the European Journal of Operational Research, Journal of the Operational Research Society, Journal of Banking and Finance, Journal of Business Finance and Accounting and has co-authored or co-edited five books including Credit Scoring and its Applications (with Lyn Thomas and David Edelman). He is particularly interested in the incorporation of macroeconomic factors into credit risk modelling, stress testing, survival models, dynamic models, the demand and supply of credit and the use of new forms of data. He has received research grants from the EPSRC, ESRC, Fulbright and other sources. He is a Fellow of the Financial Institutions Center at the Wharton School, University of Pennsylvania and an External Research Fellow of the Centre for Finance, Credit and Macroeconomics at the University of Nottingham. He has acted as a credit scoring consultant to a number of banks. He is also the joint Editor of the Journal of the Operational Research Society, a Fellow of the Royal Society of Edinburgh and a Fellow of the Academy of Social Sciences.