Creative Business Decisions
We can help you achieve your credit risk management and automation goals
Scoring Models
Scoring models are developed by applying statistical procedures to historical data with the objective of predicting a future outcome.
Tools & Services
Creative Business Decisions offers custom analyses, evaluations, and products that integrate scoring with the rest of the credit operation.
Our Software
CBD's web-based software modules, simple in their usage yet comprehensive and versatile in their ability to satisfy your data capturing
About
our Organization
CBD CREDIT is a leading decision management solutions company, headquartered in Princeton, NJ. We have worked for companies like, American Express, Bank of New York, Citibank, Tidewater, Mercedes Benz, C & F Auto Finance, Cornwell Tools, SAFCO, Zales Jewelers, Capital bank, Yamaha, Nationwide Auto, Pelican Auto, Verizon, and hundreds of other large and small auto financiers, banks, credit unions, department stores, insurance companies, jewelry stores, telecom and other utility companies around the world, to optimize returns on their credit portfolios through our custom built empirical and behavioral…
Why choose us? Because our customers -
- Increase their customer base without increasing risk
- Reduce default rates and save on credit losses
- Have consistency in decision-making
- Automate lending decisions
- Measurably lower the cost of collections
- Increase the lifetime value of customer relationships
Three cornerstones of ourstrategy
Team
30+ years of
expertise
Custom &
Generic Models
Behavioral solutions to the Advanced Analytics
Software
Complete Loan Origination system and integrated Web services
Some of our clients
