About the Organization
40+ Years of Credit Expertise Trusted by Industry Leaders Worldwide
Ready to transform how your business makes credit decisions? For over four decades, CBD CREDIT has been the secret weapon behind some of the biggest names in lending – from American Express and Citibank to Mercedes Benz and Verizon. We’ve helped hundreds of auto financiers, banks, credit unions, retailers, and utility companies worldwide turn their credit portfolios into profit engines.
Built on Proven Vision
CEO Harbir Ransi and co-founder Pat Nanda didn’t just start another consulting company – they revolutionized an entire industry. Forty years ago, when banks were failing due to primitive credit tools and inconsistent lending practices, he saw the future: statistical modeling that could measurably improve profitability. That vision created CBD CREDIT, and we’ve been perfecting it ever since.
We’re not just another analytics company. Whether you need custom scoring models that outperform generic solutions, seamless integration with your loan origination systems, or strategic consulting on collection optimization and CECL compliance, we deliver complete credit decision management solutions that evolve with your business.
What Your Business Achieves
• Grow Without Risk – Increase your customer base while maintaining or reducing your risk profile
• Protect Your Bottom Line – Reduce default rates and save significantly on credit losses
• Optimize Operations – Measurably lower collection costs through data-driven strategies
• Ensure Consistency – Eliminate costly inconsistencies in lending decisions across your organization
Placed among the “Who’s Who in Consumer Scoring” by Credits & Collections World, we’re not just keeping up with industry changes – we’re leading them. From incorporating cutting-edge AI tools into our development process to specializing in challenging markets like sub-prime auto lending, CBD CREDIT stays ahead of the curve.
Bottom Line: When major corporations need credit decisions that drive profits, protect against losses, and stay compliant with evolving regulations, they choose CBD CREDIT. Join hundreds of successful lenders who’ve made smarter credit decisions their competitive advantage.