"The Credit Scoring Toolkit" is a comprehensive guide on using statistical models to evaluate retail credit risk and make automated decisions. It covers the history and importance of credit scoring, tools for risk assessment, and regulatory considerations. The book also offers practical advice on developing scorecards, collecting data, and integrating them into credit risk management. With real-life examples and a user-friendly approach, it is a valuable resource for students and professionals in statistics, business, economics, and finance.