When answering this question, focus on your hands-on experience with credit scoring models and software. Mention specific tools and models you have used, such as FICO, VantageScore, or proprietary models. Discuss your role in using these tools, any significant projects or achievements, and how your expertise contributed to accurate credit assessments. For example:
"In my previous role at XYZ Bank, I extensively used FICO and VantageScore models to evaluate the creditworthiness of loan applicants. I also worked on developing a proprietary credit scoring model that improved our risk assessment accuracy by 15%. My experience with these tools has enabled me to make informed decisions on loan approvals and mitigate potential risks effectively."
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