The inclusion of your time-varying covariates into survival analysis has led to higher predictions of the time to default in behavioural credit history scoring designs. However, when these time-different covariates are endogenous, there are two important problems: estimation bias in the survival product and lack of a prediction framework for upcomi

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We propose a new dynamic modeling framework for credit rating risk assessment that extends the prevailing credit rating scoring products crafted upon historical facts static settings. The driving idea mimics the principle of movies, by composing the design with a sequence of snapshots, instead of an individual photograph. In doing this, the dynamic