api/model/explain_meta.json

{
  "dataset": "full",
  "target_col": "target",
  "raw_num_cols": [
    "num_previous_loans",
    "num_previous_defaults",
    "past_default_rate",
    "days_since_last_loan",
    "avg_time_bw_loans",
    "avg_past_amount",
    "avg_past_daily_burden",
    "std_past_amount",
    "std_past_daily_burden",
    "trend_in_amount",
    "trend_in_burden",
    "Total_Amount",
    "Total_Amount_to_Repay",
    "duration",
    "daily_burden",
    "amount_ratio",
    "burden_ratio",
    "burden_percentile",
    "borrower_history_strength",
    "month",
    "quarter",
    "week_of_year",
    "days_to_salary_day",
    "days_to_local_festival",
    "lender_id",
    "lender_exposure_ratio",
    "account_age_days",
    "loan_frequency_per_year",
    "repayment_consistency",
    "latest_amount_ma3"
  ],
  "raw_cat_cols": [
    "duration_bucket",
    "amount_bucket"
  ],
  "pre_feature_names": [
    "num__num_previous_loans",
    "num__num_previous_defaults",
    "num__past_default_rate",
    "num__days_since_last_loan",
    "num__avg_time_bw_loans",
    "num__avg_past_amount",
    "num__avg_past_daily_burden",
    "num__std_past_amount",
    "num__std_past_daily_burden",
    "num__trend_in_amount",
    "num__trend_in_burden",
    "num__Total_Amount",
    "num__Total_Amount_to_Repay",
    "num__duration",
    "num__daily_burden",
    "num__amount_ratio",
    "num__burden_ratio",
    "num__burden_percentile",
    "num__borrower_history_strength",
    "num__month",
    "num__quarter",
    "num__week_of_year",
    "num__days_to_salary_day",
    "num__days_to_local_festival",
    "num__lender_id",
    "num__lender_exposure_ratio",
    "num__account_age_days",
    "num__loan_frequency_per_year",
    "num__repayment_consistency",
    "num__latest_amount_ma3",
    "cat__duration_bucket_<=1m",
    "cat__duration_bucket_<=1w",
    "cat__duration_bucket_<=2m",
    "cat__duration_bucket_<=2w",
    "cat__duration_bucket_>2m",
    "cat__amount_bucket_q1",
    "cat__amount_bucket_q2",
    "cat__amount_bucket_q3",
    "cat__amount_bucket_q4"
  ],
  "id_cols": [
    "customer_id",
    "tbl_loan_id"
  ],
  "dropped_features": [
    "interest_rate",
    "lender_risk_profile",
    "pseudo_disb_date",
    "repayment_intensity"
  ],
  "split_used": "time_split(pseudo_disb_date)"
}