{
  "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"
}