arXiv Machine Learning By Sai Srikar Boddupalli

Beyond Aggregate Calibration: Decomposing Income-Conditional Recall Disparities in Automated Credit Default Prediction

Read the original on arXiv Machine Learning →

arXiv:2608. 08202v1 Announce Type: new Abstract: Data-centric curation pipelines frequently rely on model confidence scores to flag and filter noisy or mislabeled training instances.

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arXiv Machine Learning
Jul 21

STRATA: A Name-and-Geography Race Inference Model for Fair Lending and Housing Equity Applications

arXiv:2504. 21259v2 Announce Type: replace-cross Abstract: Accurate imputation of race and ethnicity (R&E) is essential for fair lending compliance under ECOA, HMDA, and the Community Reinvestment Act, where up to 15% of mortgage applications carry missing race data and regulated institutions bear responsibility for identifying disparities on those records.

By S. Chalavadi, A. Pastor, T. Leitch
arXiv AI
Aug 5

ZK-SR117: A Chunked Zero-Knowledge Attestation Design for Aggregated Fair-Lending Metrics, with a Control Mapping toward Full SR 11-7 Coverage

arXiv:2608. 02664v1 Announce Type: cross Abstract: Deploying ML models in regulated decision-making (credit underwriting, fraud detection, loan approval) requires demonstrating fairness and robustness to auditors without exposing model weights or customer data.

By Mohammad Nasir Uddin, Rahnuma Tabassum Orpita, Eklachur Rahman Bhuiyan, Asaduzzaman Anik
arXiv Machine Learning
Jul 16

Foundation Models for Credit Risk Prediction: A Game Changer?

arXiv:2605. 18147v2 Announce Type: replace Abstract: Predictive models play a pivotal role in credit risk management, guiding critical decisions through accurate estimation of default probabilities and losses.

By Bart Baesens, Andreas Goethals, Stefan Lessmann, Simon De Vos, Cristi\'an Bravo, David Martens, Victor Medina-Olivares, Christophe Mues, Maria Oskarsd\'ottir, Seppe vanden Broucke, Tony Van Gestel, Tim Verdonck, Wouter Verbeke