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Bill Kahn
Chief Scoring Officer
bill.kahn@capitalone.com
Overview
What Capital One Does
How We Do It
What We Need
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Confidential
02/14/15
Geograph
y
US
Canada
UK
Spain
Italy
Confidential
02/14/15
Product
s
Card
Auto
Medical
Home
IL
SB
Banking
Lifestage
Acquisition
Underwriting
Account
management
Collections
Assign
90% to
optimal
Model with
history and
treatment
Brainstorm
products and
treatments
Collect
timely
data
Confidential
02/14/15
Customer
value
measures
Implement
without
blunder
4
Optimal DOE
on random
sample
Summary
Capital loans money
To individuals who competitors misprice
And we could make good use of more
advanced statistical technology
10:Rejection Inference
9:Valuation
8:Complex models
7:Adverse Action
6:Database design
5:Advanced curve fitting
4:Loss function optimization
3:DOE
2:Secure data sharing
1:Great people
Confidential
02/14/15
Q&A
Confidential
02/14/15