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Performance period determination and bad definition for credit scorecard hasbeen a mix of fortune for the typical data modeler. The lack of literature onthese matters led to a proliferation of approaches and techniques to solve theproblems. However, the most commonly accepted approach involves subjectiveinterpretations of the performance period and bad definition as well as beingchicken and egg problem. These complications result in poorly developed creditscorecard with minimal benefits to the banks. In this paper, we will berecommending a simple and effective approach to resolve these issues.

A Markov Chain approach to determine the optimal performance period and bad definition for credit scorecard