I'm trying to develop Credit Scoring Models for Cumsumer Credit industry and applicated them well. I have a deeply research on retail loan credit scoring technology.I am very familiar with the application scoring models and behavioral scoring models and the statistical or dada mining technologies which is used to developed these scorecards and the methods to measure the quality of them. I Know some leap-ahead quantitative analysis models which is more popular in consumer credit decision management in European and American for the last decade.such as Risk-based pricing;Dynamic profit scoring models (such as Markov Decision Process(MDP),Survival Analysis) which is one kind of dynamic behavioral scoring can be used in Credit Line Optimal decision or management ;The Optimal Collection Process Models.And The Others Models is for Basel II Accord,such as getting the optimal cut-off point in scorecards under IRB asked and how to modify the Basel II Regulations formula for the consumer loan field.