He has developed new methods for credit risk scorecards that address many of the unique issues encountered which are unique to scorecards. Edward Krueger is a senior manager of credit risk at Bluestem Brands, Inc. Allison Lempola is a Senior Data Scientist and consultant for RProfet specializing in credit risk scorecards. They collaborate to build open source credit scoring tools, which address issues in credit scorecards that often are overlooked in proprietary platforms.