AI Modeling

What Exactly Is a Leaky Variable? A leaky variable is any feature in your training data that contains information you won't have at...

Gradient Boost Models (GBMs) have become the go-to tool for many credit modelers for good reason. GBMs can unlock meaningful lift in...

FICO and Vantage scores are well-known, widely used, and easily accessible. Meanwhile, building a custom credit model can take...

One of the most common questions we get about building a credit model is " How much data do I need to make it work? " And like many...

If you’ve built credit underwriting models, you're familiar with the modeling metric called “AUC.” AUC is the primary metric used to...

FinRegLab, a nonprofit focused on innovations that advance responsibility and inclusiveness in the financial sector, has released the...

Make explainability the core of the process, not a feature of the model.