AI and Machine Learning: From Hype to Hard Returns
Adaptive models absorb macro shifts, alternative signals, and repayment behavior to refine probability of default estimates. Rather than static cutoffs, risk appetite becomes dynamic. Share how you balance model agility with stability, especially during volatile cycles and regime changes.
AI and Machine Learning: From Hype to Hard Returns
Tools like SHAP and counterfactual analysis help teams explain decisions to auditors and customers. Governance frameworks align data lineage, approvals, monitoring, and retraining schedules. Comment with tactics that keep your models fair, compliant, and resilient under regulatory scrutiny.