I own a sub prime auto finance company. We lend money at very high rates to people who have bad credit histories. 25% of the loans we do have a default.
We want to measure our defaults and analyze the reasons for the default to develop a scorecard to be used in future underwriting as well as predictive loss models.
In addition, our data comes from different software providers and is then dumped into Excel. It would be great to have some sort of system to make it easy to update the analytics in the future.