University of Edinburgh Business School


Headline and Conference App Sponsor

Equifax Ltd

Equifax is a global information solutions company that uses unique data, innovative analytics, technology and industry expertise to power organizations and individuals around the world by transforming knowledge into insights that help make more informed business and personal decisions.

Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and the Asia Pacific region. It is a member of Standard & Poor’s (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs 11,200 employees worldwide.

Gala Dinner*

Paragon Business Solutions

Paragon is a leading risk management software solution provider, offering a comprehensive range of credit management, decision making software. They focus on helping clients extract maximum value from their data by providing them with user friendly analytical tools.

Their pioneering scorecard development tool, Modeller has been widely used in the Credit Management industry since 1992 and development continues with new functions catering for Big Data and leading edge modelling techniques. Their tools are used by major banks, finance houses, mail order companies, insurance services, and credit scoring consultants in UK and throughout the world.

Their Paris decision engine is designed for application processing, behaviour scoring, and collections. Its flexibility allows it to be embedded within existing processing mechanisms.

*Including transport to the venue and announcement of Best Paper Award

Conference Bag


Jaywing bring together data scientists, strategists, creatives and technologists to work with you to keep your brand connected in a changing world.

Welcome Reception


4most is a specialist risk consultancy delivering analytically led solutions across the UK and internationally. With a dedicated team of over 130 consultants they are passionate about numbers and obsessed with finding solutions.



ThreeCs, formerly known as Caledonia Credit Consultancy, through its principal David Edelman and a wide range of associates, provides niche services to lenders and others operating within the consumer credit risk arena, in the areas of consultancy, research, contract work, interim management, and training.


CredoLab’s credit scoring platform generates customised digital scores built on over 8 million loan applicants across 49+ lending partners. Our bank-grade algorithm crunches nearly 500 thousand features from opt-in smartphone metadata to find the most predictive behavioural patterns before converting them into credit scores.