Concepedia

Borrower Risk Profiling

Borrower Risk Profiling is a systematic analytical framework used in credit risk assessment to classify and evaluate the likelihood of a borrower defaulting on debt obligations by integrating demographic, financial, and behavioral indicators distinctively weighted to reflect creditworthiness.

38

Publications

1.8K

Citations

91

Authors

65

Institutions

Publications per year

2017–2026

16

Parents

Publications

38

The roles of alternative data and machine learning in fintech lending: Evidence from the LendingClub consumer platform

Julapa Jagtiani, Catharine Lemieux · Financial Management · 2019 · 389 citations

, , +17

When Words Sweat: Identifying Signals for Loan Default in the Text of Loan Applications

Oded Netzer, Alain Lemaire, Michal Herzenstein · Journal of Marketing Research · 2019 · 232 citations

, , +16

ESG scores and debt costs: Exploring indebtedness, agency costs, and financial system impact

Carlos F. Alves, Lilian Lima Meneses · International Review of Financial Analysis · 2024 · 104 citations · Full text

, , +17

What Do Banks Evaluate When They Screen Borrowers? Soft Information, Hard Information and Collateral

Hirofumi Uchida · Journal of Financial Services Research · 2011 · 92 citations

, , +12

Fintech Lending: Financial Inclusion, Risk Pricing, and Alternative Information

Julapa Jagtiani, Catharine Lemieux · SSRN Electronic Journal · 2017 · 85 citations · Full text

, , +14

1–5 of 38

Authors

91

  1. AL
    Alain Lemaire

    Columbia University, United States

    2 publications · 283 citations

    2

    h-index

  2. FL
    Feng Li

    Chinese Academy of Sciences, China

    2 publications · 53 citations

    2

    h-index

  3. RV
    Raun van Ooijen

    University of Groningen, Netherlands

    2 publications · 91 citations

    2

    h-index

  4. EZ
    Egon Zakrajšek

    Federal Reserve Board of Governors, United States

    2 publications · 52 citations

    2

    h-index

  5. WC
    William C. Whitesell

    Federal Reserve Board of Governors, United States

    2 publications · 52 citations

    2

    h-index

1–5 of 91

Institutions

65

  1. Federal Reserve Board of Governors

    Washington D.C., United States

    4 h-index

    9 publications

    196 citations

  2. Federal Reserve

    Washington D.C., United States

    4 h-index

    9 publications

    196 citations

  3. Office of the Comptroller of the Currency

    Washington D.C., United States

    3 h-index

    11 publications

    278 citations

  4. Federal Reserve Bank of Philadelphia

    Philadelphia, United States

    2 h-index

    2 publications

    474 citations

  5. Columbia University

    New York, United States

    2 h-index

    3 publications

    334 citations

  6. De Nederlandsche Bank

    Amsterdam, The Netherlands

    2 h-index

    2 publications

    91 citations

  7. Network for Studies on Pensions, Aging and Retirement

    Tilburg, Netherlands

    2 h-index

    3 publications

    169 citations

  8. University of Groningen

    Groningen, The Netherlands

    2 h-index

    2 publications

    91 citations

1–8 of 65

Venues

  1. SSRN Electronic Journal

    Repository · 7 publications · 235 citations

    7

    h-index

  2. Journal of money credit and banking

    2 publications · 55 citations

    2

    h-index

  3. Finance and Economics Discussion Series

    FEDS · 2 publications · 38 citations

    2

    h-index

  4. ScholarsArchive (Brigham Young University)

    Repository · 1 publications · 44 citations

    1

    h-index

  5. POPULATION

    1 publications · 23 citations

    1

    h-index

1–5