Understand seasonal patterns in borrower performance

Apply trend analysis to spot shifting risk factors

Understand the implications of thin credit files

Use alternate data when traditional files are thin

Assess sector-specific risks in commercial lending

Map credit migration across score bands over time

Weigh revolving versus installment credit usage

Identify signs of financial distress before defaults occur

Review length of credit history for new applicants

Review the effect of closed accounts on overall scores

Evaluate changes in credit limits over time

Evaluate the impact of new credit inquiries on approval odds

Track loan stacking as an indicator of distress

Track changes in credit utilization month over month

Analyze debt-to-income ratios for sustainable lending decisions

Check credit utilization for red flags

Incorporate alternative data for a fuller credit picture

Factor in economic conditions when evaluating credit

Monitor recent delinquencies for evolving risk profiles

Spot early warning signs in borrower payment behavior

Use behavioral analytics to gauge repayment likelihood