Upload 4 files

adding trained artifacts

calibrated_model.joblib

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+oid sha256:3706354b538c920676aa8a12fa321fca5372b1018295b53d4e9cd40a22855268
+size 1076659

group_reliability.json

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+}

model_meta.json

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+{
+  "estimator": "XGBClassifier(tree_method=hist, CPU) + CalibratedClassifierCV(sigmoid, cv=4)",
+  "feature_columns": [
+    "tenure_months",
+    "role_seniority",
+    "missed_total",
+    "mean_on_time_rate",
+    "std_on_time_rate",
+    "recency_weighted_miss_rate",
+    "on_time_streak_months",
+    "borrow_to_repay_ratio",
+    "penalty_intensity",
+    "contrib_vs_group_ratio",
+    "contrib_flow_volatility",
+    "urban_flag",
+    "group_size",
+    "group_age_years"
+  ],
+  "score_mapping": "reliability = round(100 * (1 - p_default)), clipped to [0,100]",
+  "tiers": {
+    "0-40": "high_risk",
+    "41-70": "watch",
+    "71-100": "low_risk"
+  },
+  "metrics": {
+    "roc_auc_holdout": 0.7599591419816139,
+    "brier_holdout": 0.09617870308206056,
+    "holdout_positive_rate": 0.11,
+    "mean_score_holdout": 88.56
+  },
+  "score_blending": {
+    "member_weight": 0.72,
+    "group_weight": 0.28
+  },
+  "stretch_artifacts": {
+    "month_imputes": "month_imputes.json",
+    "group_reliability": "group_reliability.json"
+  }
+}

month_imputes.json

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+}