{
 "org": "Corvana Bank",
 "system": "LimitWise",
 "version": "v2",
 "short": "limitwise",
 "emoji": "\ud83d\udcb3",
 "model_file": "limitwise_v2.pkl",
 "recal_file": "limitwise_v2_recalibrated.pkl",
 "odds_factor": 0.1089,
 "reasons_file": "reasons.csv",
 "data_file": "corvana_modeling_extract_remediated.csv",
 "md5": "f79f13a5119f78572e9f6cc3243ea6ae",
 "id_col": "ID",
 "outcome": "default_payment_next_month",
 "positive": 1,
 "positive_label": "default",
 "negative_label": "paid",
 "unit": "account",
 "units": "accounts",
 "action": "an outreach call or a hardship offer, reviewed by a person",
 "flagged_word": "on the outreach queue",
 "person": "cardholder",
 "share": 0.1,
 "book_size": 4600000,
 "capacity": 460000,
 "sample_rows": 4500,
 "groups": {
  "sex": {
   "col": "SEX",
   "map": {
    "1": "male",
    "2": "female"
   }
  },
  "age band": {
   "col": "AGE",
   "bands": [
    [
     0,
     24,
     "under 25"
    ],
    [
     25,
     34,
     "25 to 34"
    ],
    [
     35,
     44,
     "35 to 44"
    ],
    [
     45,
     54,
     "45 to 54"
    ],
    [
     55,
     64,
     "55 to 64"
    ],
    [
     65,
     200,
     "65 and over"
    ]
   ]
  },
  "marital status": {
   "col": "MARRIAGE_MODEL"
  },
  "education": {
   "col": "EDUCATION_MODEL"
  }
 },
 "min_group": 1000,
 "group_check": "false_alarm",
 "group_tripwire": 0.2,
 "watch_groups": [
  "under 25",
  "high school"
 ],
 "calibration": {
  "bands": [
   [
    0,
    0.01,
    "under 1 percent"
   ],
   [
    0.01,
    0.03,
    "1 to 3 percent"
   ],
   [
    0.03,
    0.08,
    "3 to 8 percent"
   ],
   [
    0.08,
    0.2,
    "8 to 20 percent"
   ],
   [
    0.2,
    1.0001,
    "over 20 percent"
   ]
  ],
  "tripwire": 0.25,
  "book_rate": 0.03
 },
 "watch_fields": [
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  "STATUS_2",
  "STATUS_3",
  "STATUS_4",
  "STATUS_5",
  "STATUS_6"
 ],
 "watch_fields_label": "the six status fields (Week 6 memo, ruling 6)",
 "week6": {
  "roc_auc": 0.758,
  "flagged": 600,
  "caught": 402,
  "false_alarms": 198,
  "precision": 0.67,
  "recall": 0.303,
  "test_rows": 5999,
  "test_positives": 1327
 },
 "lead": "Tom Becker, AI Governance Lead",
 "caio": "Anika Rao, Chief AI Officer",
 "memo_ref": "Week 6 memo",
 "monitoring_lines": [
  "The calibration table by score band, predicted against observed default, every band within 25 percent (ruling 1).",
  "The six status fields' distributions against the training file (ruling 6).",
  "False alarm and contact rates by group, with under 25 and high school reviewed monthly by the AI Governance Office and Customer Advocacy (rulings 3 and 4)."
 ],
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 ],
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 ],
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 ],
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  ],
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   "STATUS_0_delay of 6 months",
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   "STATUS_3_delay of 8 months",
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 ],
 "intercept": -0.23093874253017443,
 "data_url": "https://huggingface.co/datasets/drdavidprivacy/practicum-case-packs/resolve/main/corvana_modeling_extract_remediated.csv",
 "dataset_repo": "https://huggingface.co/datasets/drdavidprivacy/practicum-case-packs",
 "versions": {
  "sklearn": "1.9.1",
  "fairlearn": "0.15.0",
  "pandas": "3.0.5",
  "numpy": "2.5.3"
 },
 "docs": [
  [
   "01_Use-Case-Assessment.pdf",
   "Use Case Assessment (Week 1)"
  ],
  [
   "02_EDA-Observation-Log.pdf",
   "EDA Observation Log (Week 2)"
  ],
  [
   "03_Dataset-Datasheet.pdf",
   "Dataset Datasheet (Week 3)"
  ],
  [
   "04_Model-Selection-Rationale.pdf",
   "Model Selection Rationale (Week 4)"
  ],
  [
   "05_Model-Card.pdf",
   "Model Card (Week 6)"
  ],
  [
   "06_Go-No-Go-Decision-Record.pdf",
   "Go/No-Go Decision Record (Week 7)"
  ]
 ]
}