2nd Order Solutions – Medium

2nd Order Solutions

2nd Order Solutions

Leveraging Design of Experiments in Financial Services

Author: Alice Liu

9 min readApr 16, 2024

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Leveraging Design of Experiments in Financial Services

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2nd Order Solutions

Primer: Basel III Endgame Impact on Consumer Lending

Authors: Mikhal Ben-Joseph, Mara Albaugh, and Scott Barton

10 min readApr 2, 2024

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Primer: Basel III Endgame Impact on Consumer Lending

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2nd Order Solutions

Logistic Regression in the Credit Risk Industry

Author: Katie Shewell

8 min readMar 19, 2024

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Logistic Regression in the Credit Risk Industry

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2nd Order Solutions

The Fight to Foil BIN Fraud

Authors: Rachel Eaker and Matty Pahren

5 min readMar 5, 2024

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The Fight to Foil BIN Fraud

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2nd Order Solutions

Enhancing Trust in Credit Risk Models: A Comparative Analysis of EBMs and GBMs

Authors: Congcong Ma, Solange Umuhoza, and Alice Liu

8 min readFeb 20, 2024

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Enhancing Trust in Credit Risk Models: A Comparative Analysis of EBMs and GBMs

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2nd Order Solutions

Fundamentals of a Student Loan

Author: Erin Hensien

8 min readFeb 6, 2024

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Fundamentals of a Student Loan

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2nd Order Solutions

Categorical Encoding Methods

Description and explanation of categorical encoding methods like one-hot encoding, Helmert coding, frequency encoding, and binary encoding.

5 min readJan 23, 2024

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Categorical Encoding Methods

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2nd Order Solutions

2024 Forward Looking + 2023 Year in Review

What can we expect the credit risk landscape to look like in 2024? What happened in 2023 that gave us these expectations?

10 min readJan 9, 2024

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2024 Forward Looking + 2023 Year in Review

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2nd Order Solutions

Using Linear Programming to Solve Direct Mail Allocation Problems

Linear programming is an optimization method to help lenders decide how much direct mail is optimal to send to customer segments.

7 min readDec 26, 2023

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Using Linear Programming to Solve Direct Mail Allocation Problems

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2nd Order Solutions

Optimizing Credit Card Direct Mail Segmentation

Direct mail campaigns have proven effective in reaching potential customers — what are the segmentation strategies and optimization…

7 min readDec 12, 2023

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Optimizing Credit Card Direct Mail Segmentation

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2nd Order Solutions

2nd Order Solutions

A boutique credit advisory firm providing credit risk & data science consulting services from top 10 banks to fintech startups

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