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The final scorecards are produced to generate the final set of characteristics for the scorecard. Note that you are not limited to the characteristics to the scorecard. Note that you are not limited to the characteristics selected in the preliminary scorecard. Some characteristics may apper weaker or stronger after reject inference.
In addition to the requirements of the statistical procedure of development, the scorecard must be in line with business requirements, must conform to common sense and, when possible, not to contradict the expert opinion.
For example:
In the process of scorecard development, the following points were obtained in the Age category:
This distribution contradicts the common knowledge in some countries: older customers are more reliable. Borrowers of 40-45 years of age have the lowest score.
Expert analysis must find reasons for this contradiction to common sense. If the reason is the fault of historical data, it must be corrected by expert correction of score distribution.
For that purpose 40-45 -year-old borrowers are assigned score 14 (instead of 0). At the same time, to preserve the scale of the scorecard, the youngest borrowers are assigned the minimum score 0 (instead of 4).
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