40+ Years of Impact: Smarter Credit Scoring for LendersCreative Business Decisions

40+ Years of Impact: How our Scoring Models Drive Lenders’ Success

Predictive Models Built for Real-World Lending

Since 1982, CBD Credit has helped lenders across industries improve the accuracy, consistency, and performance of their credit decisions. We’ve specialized in developing empirical and behavioral scoring models that enable financial institutions, retailers, and service providers to increase loan approvals, reduce default risk, and better manage their portfolios. With four decades of experience in subprime lending markets, CBD’s solutions are grounded in rigorous analysis and validated modeling practices tailored to each client’s unique lending environment.

As CBD’s CEO, Harbir Ransi explains:

“CBD’s modeling philosophy blends time-tested credit analytics with modern advancements in artificial intelligence and machine learning (AI/ML). Its empirical models assess static applicant characteristics and credit history, while behavioral models incorporate dynamic patterns—such as spending habits, repayment behavior, and income trends—to provide a forward-looking view of borrower risk. These models are designed to evolve, with performance projection tables and validation protocols ensuring sustained accuracy even as borrower profiles and market conditions shift.”

Each solution is tailored to the client’s specific underwriting criteria and operational objectives, resulting in scoring systems that are both practical in application and compliant with their industry’s regulatory environment. These customized models have produced measurable results across a range of sectors, from retail to energy to telecom. Here are some ways CBD Credit’s tailored approach have translated into real-world impact.

Quantifiable Impact, Long-Term Value

Verizon Wireless

At Verizon (which started as a client as ‘Bell Atlantic’ in 1990), a long-term collaboration with CBD has supported the continuous evolution of its credit risk models. Over the years, CBD has developed and revalidated both underwriting and behavioral models to ensure their ongoing effectiveness at scale. Through regular model re-validations and statistical monitoring, Verizon has maintained high-performing, compliant, and adaptable scoring systems across its customer base.

Here’s what Dan Francia, VP of Finance at Verizon, had to say:

“We have worked with CBD for many years, both in the development of underwriting models and behavioral models. Over the years these models have gone through several revalidations and redevelopments to help maintain model performance. We have been very happy with the quality, professionalism and expertise from CBD, in addition to the on-time service delivery for each project. I will recommend them highly.”

Littman’s Jewelers

With over 100 stores nationwide, Littman’s faced low approval rates, high delinquencies, and inconsistent credit decisions—particularly for applicants under 26, who made up more than 30% of its customer base. CBD introduced a dedicated scoring model for younger applicants and realigned the existing model for broader use. Down-payment strategies and performance projection tables were also implemented to guide decisions. As a result, Littman’s saw a 10% increase in approval rates, a $1.4 million reduction in bad debt within 18 months, and a 25x return on investment—recovering implementation costs within just six months.

Proven Value, Trusted Expertise

The results speak for themselves. Whether it’s a 25x ROI, a 22% drop in write-offs, or multi-year model stability without recalibration, our solutions are built to perform—not just in theory, but in the real world. We don’t offer one-size-fits-all scoring. We work closely with each client to design, deploy, and validate models that align with their lending goals, risk appetite, and regulatory requirements. Backed by decades of experience across diverse verticals, we’re trusted by national retailers, telecom giants, and financial institutions alike. As the credit landscape continues to evolve, we’re focused on equipping our clients with the tools and insight needed to stay ahead—ensuring every credit decision is smarter, faster, and built for long-term impact.