| # Model Card: Bank + Telecom Churn Screening |
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| ## Bank |
| Predictors: CreditScore, Age, Tenure, Balance, NumOfProducts, HasCrCard, IsActiveMember, EstimatedSalary, Geography. |
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| Excluded identifiers: CustomerId, Surname. |
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| Duplicate rows removed: 2. Train/validation/test: 6400/1600/2000. |
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| Model: XGBoost; validation-selected F2 cutoff: 0.425; quality gate: demonstration. |
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| ## Telecom |
| Predictors: SeniorCitizen, tenure, MonthlyCharges, TotalCharges, Partner, Dependents, PhoneService, InternetService, Contract, PaymentMethod. |
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| Excluded identifiers: customerID. |
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| Duplicate rows removed: 0. Train/validation/test: 3763/941/1176. |
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| Model: XGBoost; validation-selected F2 cutoff: 0.100; quality gate: research_only_low_signal. |
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| ## Methodology |
| Training-only preprocessing, validation PR AUC model selection, validation F2 threshold selection, untouched test performance. |
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| ## Limitations |
| Educational datasets, distribution shift, no probability calibration, no subgroup fairness validation, and no downstream business impact study. For demonstration only. |
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