https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/353195#M168 <P>yeah, I actually took the took online.</P> Tue, 25 Apr 2017 13:51:23 GMT nismail1976 2017-04-25T13:51:23Z https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/352904#M166 <P>Hello everyone,</P> <P>&nbsp;</P> <P>I am trying to build a data set to model customer's behavior after credit card application has been approved (existing customers).specifically I am trying to score existing customers so that when score falls below a certain threshold then we can reduce their line of credit.</P> <P>&nbsp;</P> <P>The way it is explained In sas credit risk course is that I have to collect 3 years of data of the whole portfolio for example from 2013 to 2015 and then watch the behavior for year 1 in this case 2013 and then take a random sample in year 2 (2014) and lastly access performance <SPAN> (90+ days delinquent or &lt;90)&nbsp;</SPAN>one year later from random sample in year 2 . for example if I have an account with 36 observations (3 years worth of data) I take one random sample in year 2 (2013) and access performance (90+ days delinquent or &lt;90) one year later.</P> <P>&nbsp;</P> <P>my question is how do I deal with accounts that don't have 36 observations. say a new account was booked in 2014 and has only 24 months worth of data, how do I deal with that?</P> <P>&nbsp;</P> <P>Thanks in advance</P> Mon, 24 Apr 2017 15:13:40 GMT https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/352904#M166 nismail1976 2017-04-24T15:13:40Z https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/353021#M167 <P>Are you taking this course?:</P> <P>&nbsp;</P> <P><A href="https://support.sas.com/edu/schedules.html?id=2455&amp;ctry=US#s1=3" target="_blank">https://support.sas.com/edu/schedules.html?id=2455&amp;ctry=US#s1=3</A></P> <P>&nbsp;</P> <P>&nbsp;</P> Mon, 24 Apr 2017 21:54:00 GMT https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/353021#M167 HB 2017-04-24T21:54:00Z https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/353195#M168 <P>yeah, I actually took the took online.</P> Tue, 25 Apr 2017 13:51:23 GMT https://communities.sas.com/t5/SAS-Risk-Management/how-to-collect-data-to-build-a-behavioral-model-for-credit-cards/m-p/353195#M168 nismail1976 2017-04-25T13:51:23Z