GCD's Mission is to help banks understand and model credit risks. The comprehensive data pools are collected over a decade and distributed back to members for their own research and modelling.


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GCD is a unique data consortium that owns banks internal data for both PD and LGD. GCD’s data pools support the key parameters of banks’ credit risk modelling: Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD).

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GCD’s library gives access to wide variety of publications on risk related topics. Global Credit Data members work together to analyse the data and discuss methodology issues. GCD has published numerous papers and is actively promoting academic research on the data collected.

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Members not only benefit from exclusive rights and access to credit databases and analytics, but also from knowledge and research facilitation possible via the unique industry association.

Through a variety of forums such as workshops, webinars and surveys, GCD is an active industry participant facilitating the discussion in key strategic areas.

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Global Credit Data collects raw data from its members and distributes it back to them for use in their own analysis and modelling. GCD supports its members by providing a flexible high-end tool on the data pool: the GCD Visual Analyzer. Member banks can create dynamic Reference Data Sets and generate instant views on the data.

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Methodology Committee

Specific activities around the collection, analysis and use of data are controlled by a Methodology Committee, whose members are appointed by the Management Board. The detailed responsibilities of the Methodology Committee are further described in the Articles of Association and Data Pool Regulations (more information here). The Methodology Committee meets about 10 times a year.

The current members of the Methodology Committee are:

  • Stephan Jortzik, ANZ
  • Elizabeth Moleda, RBC
  • Eric Lin, MUFG Union Bank
  • Cyprian Moloto, First Rand Merchant Bank
  • Pubudu Premawardena, Scotiabank
  • Andrea Buzzigoli, HSBC
  • Clemens Mesterom, NIBC 
  • Michael Jacobs, PNC
  • Michael Eichhorn, KfW 
  • Patrik Gunnarson, SEB
  • Rohan Surana, Credit Suisse
  • Stuart Neilsson, Citibank
  • Abhishek Kumar, UBS