| { |
| "model_name": "loan-default-logreg", |
| "model_type": "LogisticRegression", |
| "task": "binary_classification", |
| "target": "loan_default", |
| "target_classes": [ |
| "no_default", |
| "default" |
| ], |
| "positive_class": "default", |
| "trained_at": "2026-06-24T13:50:48.902678", |
| "python_version": "3.11.15", |
| "library_versions": { |
| "scikit-learn": "1.9.0", |
| "numpy": "2.4.6", |
| "scipy": "1.17.1", |
| "pandas": "3.0.3", |
| "joblib": "1.5.3" |
| }, |
| "decision_threshold": 0.8155, |
| "threshold_rationale": "minimiza costo esperado 3:1 (3*FP+1*FN) sujeto a precision>=0.70 y recall>=0.40 (ver notes/04_design_validation.md)", |
| "feature_order": [ |
| "age", |
| "income", |
| "credit_score", |
| "dependents", |
| "home_owner" |
| ], |
| "raw_feature_order": [ |
| "age", |
| "income", |
| "credit_score", |
| "dependents", |
| "home_owner" |
| ], |
| "processed_feature_order": [ |
| "age", |
| "credit_score", |
| "dependents", |
| "income", |
| "home_owner" |
| ], |
| "raw_feature_meta": { |
| "age": { |
| "type": "int", |
| "min": 20, |
| "max": 69, |
| "default": 44, |
| "label": "Edad (anios)" |
| }, |
| "income": { |
| "type": "float", |
| "min": 4000, |
| "max": 100000, |
| "default": 20000, |
| "label": "Ingreso anual" |
| }, |
| "credit_score": { |
| "type": "int", |
| "min": 300, |
| "max": 849, |
| "default": 580, |
| "label": "Credit score (FICO)" |
| }, |
| "dependents": { |
| "type": "int", |
| "min": 0, |
| "max": 4, |
| "default": 2, |
| "label": "Numero de dependientes" |
| }, |
| "home_owner": { |
| "type": "binary", |
| "min": 0, |
| "max": 1, |
| "default": 0, |
| "label": "Propietario de vivienda (0=no, 1=si)" |
| } |
| }, |
| "metrics_at_operating_point": { |
| "precision_default": 0.9677, |
| "recall_default": 0.7692, |
| "f1_default": 0.8571, |
| "expected_cost_3to1": 12, |
| "pr_auc": 0.9381, |
| "roc_auc": 0.9804 |
| }, |
| "preprocessor_file": "preprocessor.joblib", |
| "model_file": "model.joblib" |
| } |
