Team

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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. Formed by Pat Nanda in 1982, the company has become a leading provider of credit risk management products and services that include custom Scorecards and Data Analytics.

Responsibility for project management is assigned to one of two executives who undertake the full scorecard development process from data gathering to deployment of the scorecards. These senior personnel also 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. All tthe senior staff members will be available to discuss any aspect of the work and use of the models and other risk-management tools throughout the duration of the project.

Key Personnel

Harbir Ransi, CEO

Harbir Ransi has been managing all kinds of scoring and software development project for CBD for the last 25 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. He has been mentored by Pat Nanda, who founded CBD, and has successfully established the company in the world of credit.

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.

Vijay Patil, Strategic Advisor

Vijay Patil has been involved in the lending industry for the last 20+ years. He has been responsible for starting and updating lending portfolios at Mitsubishi and Yamaha. He is primarily responsible for taking the company to new horizons with his resources and knowledge and new marketing initiatives.

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.