Adaptação do credit scoring para análise de crédito em uma administradora de consórcios

Abstract

The consortium system is seen by many as a form of programmed savings whose purpose is related to the acquisition of goods and services through its own self-financing. In this context, the consortium administrators enter into the management of the granting of credit. This management process, however, relies on risks that must be managed in an attempt to minimize them, through an effective credit policy followed by the responsible institution. However, the success in the credit analysis process is due to appropriate parameters and procedures for the release of credit, so that negative implications do not diminish over the institution and other clients. In the present case study, the objective was to measure the credit analysis processes in a consortium administrator and to suggest modifications to the system employed, through the credit score system, leveraging its credit policy. The same occurs through a descriptive type of research, and a quantitative nature. Data collection is done through bibliographic queries and analysis of content and primary and secondary data, as well as observation of the routine used by the consortium network. Thus, the indigence of great commitment and responsibility that the credit institution must follow in its criteria of analysis, considering that its service rendering is in function of managing the interest of third parties as well as its economic objectives.