信用评分卡 (part 7 of 7)

python信用评分卡（附代码，博主录制）

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Credit Scorecards – Business Integration of Predictive Analytics 预测分析的业务知识

(part 7 of 7)

Columbus – A lesson in Leadership

The leader – by Roopam

Christopher Columbus – I have adored this man for various reasons at various stages of my life. At seven, I adored him because his mistakes were applauded and became part of history – Columbus mistook Native Americans for Indians because he thought he had landed in Asia rather than the Americas. While my mistakes were circled with red ink and awarded zero, I felt that was unfair – Oh Columbus, you lucky bastard! At seventeen, I adored him because he was a rebel as he went against the popular belief about the planet and sailed in the opposite direction – Oh Columbus, you non-conformist! Now that I feel I know him a little better, I adore him for setting the direction others can follow. He was not the first one to reach the Americas from Europe, although he did not know this. There are references of others achieving this feat before him. However, he was the one who sensitized Europe towards America. At present, the predominant population in the Americas is of European origin. So many people must have followed directions set forth by Columbus – Oh Columbus, you leader!

15th August – today India, the largest democracy, is celebrating its Independence day. Let us take a moment to applaud the spirit of Columbus in all of us – the explorer, the free thinker – before venturing into the integration of predictive analytics with business processes. In addition, yes, Columbus will pave the way for us to understand this integration better.

克里斯托弗·哥伦布 - 我在生命的各个阶段因各种原因而崇拜这个男人。七岁时，我很尊敬他，因为他的错误得到了掌声并成为了历史的一部分 - 哥伦布把印第安人误认为印第安人，因为他认为他已经登陆亚洲而不是美洲。虽然我的错误被红色墨水圈起来并且被授予零，但我觉得那是不公平的 - 哦哥伦布，你这个幸运的混蛋！十七岁的时候，我很尊敬他，因为他是一个反叛者，因为他违背了对这个星球的普遍看法，并朝着相反的方向航行 - 哦哥伦布，你是不守规矩的！现在我觉得我对他的了解要好一点，我崇拜他，因为他设定了其他人可以遵循的方向。他不是第一个从欧洲到达美洲的人，尽管他不知道这一点。在他之前有其他人提到这一壮举。然而，他是那个使欧洲对美国敏感的人。目前，美洲的主要人口来自欧洲。很多人必须遵循哥伦布提出的指示 - 哦哥伦布，你的领导！

8月15日 - 今天，最大的民主国家印度正在庆祝其独立日。在冒险进行预测分析与业务流程的整合之前，让我们花点时间为我们所有人 - 探险家，自由思想家 - 赞扬哥伦布的精神。此外，是的，哥伦布将为我们更好地理解这种整合铺平道路。

Integrating Predictive Analytics with Business Processes

Let us accept it, probability and statistics, despite being logical and right, do not come naturally to us humans. Numerous books and theses have repeatedly proven this fact*. The whole furor about the solution to the Monty Hall problem (read the article) is a testimonial to this thesis. Once we have grounded this fact, let us go back to Columbus. Like him, as an analyst, once you have explored the exotic land you want to show it to others. You want them to appreciate it and make it their home.

让我们接受它，概率和统计，尽管是合乎逻辑的，但是对我们人类来说并不自然。 许多书籍和论文反复证明了这一事实*。 关于Monty Hall问题解决方案的全部意见（阅读文章）是本论文的证明。 一旦我们接受了这个事实，让我们回到哥伦布。 像他一样，作为一名分析师，一旦你探索了异国情调的土地，你就要向别人展示它。 你希望他们欣赏它并将它作为自己的家。

*Read Daniel Kahneman’s Thinking, Fast and Slow

The Ace 王牌of Advanced Analytics Success

The sole purpose of analytics is business enhancement and growth. The intellectual exercise has to translate into tangible returns. This is by no means an easy task. Let me present the ACE of integration of predictive analytics with business processes. I am feeling like a great business Guru to coin this term ACE – I know you readers are generous to let me get away with some self-indulgence. In fact, could someone tell me how to get this copyrighted? ACE stands for Accessible, Communication-&-Education, and Ease-of-Use.

The ACE of Predictive Analytics project success – by Roopam

Accessible: All humans are involved-creatures. We want to be part of the new. This is also true for that grumpy manager resisting change in the corner office. He wants to be part of the change. He is also ready for controlled experiments. Make him part of it. This has helped me significantly while implementation of advanced analytics solutions. The onus is with the analyst to constantly work with the concern parties. Their knowledge will only enhance the research. Yes, it is time-consuming and could also hurt your ego at times but is absolutely essential for the project’s success.

Communication-&-Education: All humans are curious creatures. We all love to get educated. Analytics projects are also about educating the decision maker about aspects of predictive analytics including pitfalls. As we have discussed, statistics is not an intuitive science. However, you will find most people more than willing to listen to you. It is about communicating your excitement for the field and the results. If they are not listening to you – try harder and be creative.

Ease-of-use: Most humans do not like unnecessary complications in their life and analytics is no exception. This is where an astute use of information technology to integrate analytics with business process is an absolute must. For example, the first versions of credit scorecards I saw were excel based standalone applications. Here, the credit underwriters were punching in the information about the borrower all over again. No wonder they hated it. It is not that difficult to integrate the underwriting application with the scorecard, where no extra effort is required for the users. The job of analytics professional is not over till he/she drives the application usage to generate business benefits.

Sign-off Remark

Wow! Am feeling good after completing this seven-part series (part 1 -7) on Analytical Scorecards, trust me it is good fun writing. I know you are reading the articles because of all the positive feedback I am receiving. If you would like to write some articles on YOU CANalytics, please drop a mail on roopam.up@gmail.com or contact me. I’ll create an author’s account for you. Look forward to hearing back from you.

See you soon with a new topic on Analytics.

分析的唯一目的是业务增强和增长。智力活动必须转化为实际回报。这绝不是一件容易的事。让我介绍预测分析与业务流程集成的ACE。我感觉自己是一个伟大的商业大师，可以用这个术语来证明ACE - 我知道读者很慷慨，让我放弃一些自我放纵。事实上，有人可以告诉我如何获得这个受版权保护的版权？ ACE代表Accessible，Communication - ＆ - Education和Ease-of-Use。

无障碍：所有人都参与其中 - 生物。我们希望成为新的一部分。对于那个脾气暴躁的经理来说，抵制角落办公室的变革也是如此。他希望成为变革的一部分。他也准备好进行对照实验。让他成为一部分。在实施高级分析解决方案时，这对我有很大帮助。分析师有责任不断与关注方合作。他们的知识只会加强研究。是的，这很费时，有时也会伤害你的自我，但对于项目的成功绝对必不可少。

沟通 - 和 - 教育：所有人类都是好奇的生物。我们都喜欢接受教育。分析项目还涉及向决策者提供关于预测分析（包括陷阱）方面的教育。正如我们所讨论的，统计学不是一门直观的科学。但是，你会发现大多数人都愿意听你的。它是关于沟通您对该领域和结果的兴奋。如果他们没有听你的话 - 努力尝试并发挥创意。

易于使用：大多数人不喜欢生活中不必要的麻烦，分析也不例外。在这里，精明地使用信息技术将分析与业务流程集成是绝对必要的。例如，我看到的信用记分卡的第一个版本是基于excel的独立应用程序。在这里，信用承销商正在重新审视借款人的信息。难怪他们讨厌它。将承保应用程序与记分卡集成并不困难，因为记分卡不需要用户额外的努力。分析专业人员的工作还没有结束，直到他/她推动应用程序使用以产生商业利益。

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