Applying Gender-Intentional Credit Scoring

Virtual Workshop

24 June 2024 9:00 am - 12:00 pm EDT
This event has concluded.

Evidence shows women often demonstrate higher loan repayment rates than men, suggesting they are lower-risk borrowers and yet face higher barriers to loan approval. This presents an opportunity to refine lending models for more accurate risk assessment and increased financing to women.

CGAP’s latest research shows that, under certain conditions, employing gender-intentional credit scoring can help lenders more accurately measure portfolio risk and not only help reduce the gender gap in access to credit, and allow providers to increase their portfolios or reduce their losses. This virtual workshop was designed for lending service providers, credit risk managers, data scientists, and others working on credit scoring.

In this two-part session, we covered: 

  • Part 1: Presentation on gender-intentional techniques and implementation strategies for credit scoring
  • Part 2: Walk-through of how to implement the analyses using Excel, R, and Python

Download the presentation.


Senior Financial Sector Specialist

Maria Fernandez Vidal is a Senior Financial Sector Specialist, leading CGAP’s work on Data. Her work is focused on the role data can play in advancing financial inclusion and covers a range of topics including data-driven business models and open finance. She has also worked substantially with fintechs, platforms and advanced analytics. Before joining CGAP, Maria was at McKinsey & Company, working in Latin America & the Caribbean and the US. At McKinsey, she served clients in the financial sector and the public and social sector on a broad range of topics including strategy, risk, operations and organization. Maria previously worked at the Inter-American Development Bank (IDB), the International Monetary Fund (IMF) and Endeavor.

Maria holds an MBA from The Wharton School at the University of Pennsylvania with majors in strategic management and finance, and graduate and undergraduate degrees in economics from the Universidad Torcuato Di Tella.

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.




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.