{
  "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"
  }
}