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Credit Analyst
Evaluates the creditworthiness of individuals and businesses applying for loans.
Did you know?
Bill Fair and Earl Isaac founded Fair Isaac in 1956 and built an early credit scoring system in 1958; the famous FICO score followed in 1989.
How subjects help
- Mathematics: Compare a borrower's income and debts to judge how much they can repay each month.
- Economics: Consider how a slump in an industry could affect a business's ability to repay.
- Statistics: Use past lending data to score how likely a new borrower is to miss payments.
A famous name
John Moody: Began rating the safety of railroad bonds in 1909 and founded Moody's credit ratings.
Try it yourself: Run a mini survey
- Ask one clear question with a few choices, like "Which fruit do you like best?"
- Tally the answers as you go.
- Draw a bar chart of the results.
- Write one thing the data shows, and one thing it can't tell you (would a different group answer differently?).
Data scientists and statisticians ask good questions, count carefully and are honest about what the data can't show.
Also try: Which dice total wins?.
Known for it in
USA, UK, India, Canada, Singapore