InDataDrivenInvestorbyBiswarupa Mohapatra·4d agoLet’s Build a Simple PD Model in Python (Step by Step)Logistic regression on company bankruptcy data, in under 50 linesA response icon1A response icon1
Suneel Reddy·6d agoThe Model Said No. She Said Yes. She Was Right.Our model said no, and I agreed with it.
InDataDrivenInvestorbyBiswarupa Mohapatra·Nov 2Credit Policy for a New SME Lender: The 5 Decisions to Make FirstA practical starting point for small business lenders and fintech founders from a credit risk specialistA response icon1A response icon1
Prasad Athalye·Nov 1The Credit Policy Is a Photograph; The Portfolio Is a Film.It is the third week of the quarter. Defaults in your Near-Prime portfolio are beginning to rise. The credit team can see the trend, but…
Suneel Reddy·Oct 31The Week Risk Came Back: Controls, Cash and the AI BetFour headlines this week looked unrelated. They are one story: markets are being forced to ask what sits behind the promise.
Prasanna Vaidya·Oct 30Why AI in Lending Should Redesign the ProcessA GydeBites conversation with Anurag Srivastava on making loan decisions faster without weakening credit discipline.
Han-co·Oct 28[Basics] Part 10.A model does nothing until it becomes someone’s decision. Setting the cutoff with expected profit rather than accuracy, moving on to price…
Han-co·Oct 28[Basics] Part 9. A model only lives on top of a pipeline: data engineering and tooling — Han-coA good model without plumbing is an idea on paper. The SQL where most features are actually built, the point-in-time joins where leakage…
Nikhil Diwesh·Oct 26IFRS 9 Expected Credit Loss 101: Lessons From a Pug Who’s Seen All The StagesPart 2 of the lessons my kid, a six-year-old pug, keeps teaching me about credit risk.
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