Credit risk analysts dig into detail and piece together the unexpected. We determine appropriate remedial actions and communicate them effectively. It's what we do. But things don't always go smoothly, so we need to make sure we understand the basics first. Most credit risk analysts learn on the job, with little external material or support. That's where this book comes in. Carolyn Röhm has identified the core elements of retail credit risk analysis and broken them into first principles. She firmly believes that once analysts understand these, they can address every problem, challenge and curve ball. It's a Risky Business is a field guide that will enable analysts to make intuitive leaps, understand, analyse and recommend appropriate actions and identify opportunities. Written for those at the start or early in their careers, this book provides a solid understanding of all things related to retail consumer credit risk analytics. From that point onwards, it is up to you to put the skills into practice. And if you need further help, talk to Carolyn. May the odds be ever in your favour!