Dr. Nanda is the head of the analytics team at Microbilt. He directs all activities related to client studies, scorecard development, default reduction strategies and interaction with clients regarding monthly reporting of their portfolio qualities including benchmarking this quality against a peer group. Dr. Nanda has been dealing with alternative data sources in the development of credit evaluation systems for the last 25 years. These have included bad check prediction models, a prediction of default for a retailer in Mexico and default prediction models in third world countries including the Philippines and Malaysia. Dr. Nanda brings his experience to bear in providing innovative approaches to solving the problems facing the short-term lending community and in creating state-of –art solutions at Microbilt that will take short term lenders to the next level of analytical sophistication that is lacking today and that they sorely deserve.