💰 Credit Risk Scorecard — Gradient Boosting + Logistic Regression + Decision Tree on 5,000 loans. Industry-standard metrics: Gini 0.521 · KS 0.395 · AUC 0.761 · IV/WoE table · Credit grades A-E. Basel III aligned. Production-realistic metrics. Python · scikit-learn
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May 16, 2026 - Python