Every credit risk model starts with data. But before calibration, validation, or implementation, there’s a more fundamental question: what data should you use?
As regulatory frameworks like Basel 3.1 demand greater transparency—and as IFRS 9 and CECL models face increasing scrutiny—the need for accurate, representative data has become critical. Yet assessing data representativeness remains a challenge across the industry. To address this, more than 20 global banks and leading consultants came together under GCD to develop a practical, industry-aligned set of guidelines. These guidelines are designed to help credit risk teams make informed, defensible decisions about what data to use—backed by shared experience and regulatory insight.
We invite you to a webinar where we’ll walk through these guidelines, their development, and how they can be applied in practice.
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