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SAS finance architect is out to overhaul credit-scoring metrics

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Some loan officers used to go by rules of thumb. There were “The Three B’s: never lend to beauticians, bartenders or barbers” and “The Three P’s: never lend to preachers, plumbers or prostitutes.” Now we have an automated system, but it can’t tell an upstanding banker from a down-on-his-luck bartender.

Imagine a high-level banker who leaves his job for a promotion in another state. He’s trusted and respected for the job he did as senior risk manager, reporting to the board of directors, at a 19-branch bank in Atlanta. But for moving and taking that new job, his credit score declines.… Read the rest “SAS finance architect is out to overhaul credit-scoring metrics”

The nose still knows better than Web 2.0

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Several hundred practioners of the many aspects of business intelligence are gathering here in San Diego for this week’s TDWI conference. They know how to clean data, enable fast searches, design insight-accelerating tools and other wonders—and yet no one yet has a reliable metric to score restaurants. We still have to go out and sniff.

You’re now screaming at me: ask your concierge! I did. She sent me to Oceanaire, the Blue Point and several others. But all looked too slick and none smelled good.

Other readers are screaming different advice: look at Zagat, at TripAdvisor, at Google Earth! I did.… Read the rest “The nose still knows better than Web 2.0”

How to pick a restaurant: the clean-door test

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Rules of Thumb is a fine website for those of use who enjoy proxy metrics, the things you use to judge when you can’t judge the real thing.

Picking a restaurant is an obsession on the site. One rule of its many rules is attributed to CBS’s Andy Rooney, who suggests you avoid cute names because owners aren’t serious about food. Other users believe that newspaper reviews in the window signal a restaurant that’s neither too bad nor too snooty. Still others believe a “high class” joint is good. The smartest one, though, says you should look first at the restroom.… Read the rest “How to pick a restaurant: the clean-door test”