Dean Caire

Credit Scoring Specialist

Dean Caire is a credit scoring consultant. He works with the International Finance Corporation, CGAP, and several international financial services providers. He specializes in development and implementation of credit risk models and training and consultation on risk management. He previously worked at Dai Europe as a risk management specialist. Caire is a Chartered Financial Analyst, he holds a master’s in Finance from the Thunderbird School of Global Management and a bachelor’s from California State University.


By Dean Caire


Leveraging Transactional Data for Micro and Small Enterprise Lending

The use of transactional data for credit underwriting can play a part in closing the estimated US$4.9 trillion global financing gap for micro and small enterprises. This case study examines the data and experience of two fintechs in India that use different sets of transactional data for credit scoring.

Gender-Intentional Credit Scoring

Evidence shows women often demonstrate higher loan repayment rates than men, suggesting they are lower-risk borrowers yet face higher barriers to loan approval. This guide introduces a gender-lens analytical framework for lenders to determine whether lending decisions and outcomes in their portfolios differ by gender and, if so, how.

Data-Driven Segmentation in Financial Inclusion

Financial services providers can improve their businesses by using segmentation to develop a more accurate understanding of their customers. This guide shows providers how they can use data analytics to understand their customers by performing more complex analyses and extracting insights that were previously hidden.