Team
Organization Team
Creative Business Decisions currently has 9 employees that work out of the main office in Princeton NJ, and various other locations in US, Canada, UK and India. As CEO, Harbir Ransi has primary responsibility for the sales activities of the company and manage client relationships. He is also responsible in ensuring the highest level of products and services are provided to clients.
Key Personnel
Harbir Ransi, CEO
Harbir Ransi has been managing all kinds of scoring and software development project for CBD for the last 20 years. He did his BS in Accounting and then completed his JD. and has worked in the banking and IT industry since 1990. He is primarily responsible for managing all aspects of client interaction and product delivery. He has been instrumental in developing the various software deployments methods used by CBD and clients.
Roger Lustig, Scoring Dept. Head
Roger has worked for CBD since 1983. He has developed many scoring and decision tree models and has provided support and consulting services to clients. Roger received his A.B. in Statistics from PrincetonUniversity in 1979, and pursued graduate studies at The University of Chicago after a year working at Educational Testing Service in Princeton, NJ.
In recent years, he has developed scoring models for recovery, loss projection, and other purposes; designed and implemented databases and data warehouses; and designed the company’s proprietary credit-analysis report sets.
Dirk Goldgar, Senior Software Engineer
Dirk Goldgar did his BS in Information Technology from Princeton University and has been with CBD since 2003. He is the chief developer and architect of CBD’s software products and overseas other developers in all aspects of software development.All senior personnel interact with the prospective client during the initial stages of defining the scope of the project and, once the contract is signed, manage activities related to identification and collection of the data sample and the technical aspects of the project, including model development. Throughout the course of the project, our CEO Harbir Ransi will work with your management in developing strategies for using the model. All three of these senior staff members will be available to discuss any aspect of the work and use of the models or other risk-management tools throughout the duration of the project.