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{
 "org": "Corvana Bank",
 "system": "LimitWise",
 "version": "v2",
 "short": "limitwise",
 "emoji": "\ud83d\udcb3",
 "portfolio": "corvana-portfolio",
 "collection_name": "LimitWise Governance Repository",
 "collection_url": "https://huggingface.co/collections/drdavidprivacy/limitwise-governance-repository-6ae5ff9b374cab20b18250eb",
 "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,
 "month_rows": 4000,
 "month_seed": 11,
 "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": [
  "STATUS_0",
  "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)."
 ],
 "inputs": [
  "LIMIT_BAL",
  "BILL_AMT1",
  "BILL_AMT2",
  "BILL_AMT3",
  "BILL_AMT4",
  "BILL_AMT5",
  "BILL_AMT6",
  "PAY_AMT1",
  "PAY_AMT2",
  "PAY_AMT3",
  "PAY_AMT4",
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  "PAY_AMT6",
  "STATUS_0",
  "STATUS_2",
  "STATUS_3",
  "STATUS_4",
  "STATUS_5",
  "STATUS_6",
  "PAID_1",
  "PAID_2",
  "PAID_3",
  "PAID_4",
  "PAID_5",
  "UTIL_RECENT",
  "PAY_RATIO_RECENT",
  "SEX",
  "AGE",
  "MARRIAGE_MODEL",
  "EDUCATION_MODEL"
 ],
 "categorical": [
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  "STATUS_2",
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  "STATUS_4",
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  "STATUS_6",
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  "PAID_3",
  "PAID_4",
  "PAID_5",
  "SEX",
  "MARRIAGE_MODEL",
  "EDUCATION_MODEL"
 ],
 "numeric": [
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  "BILL_AMT6",
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  "PAY_AMT4",
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  "UTIL_RECENT",
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  "AGE"
 ],
 "kept": [
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  "BILL_AMT6",
  "PAY_AMT1",
  "PAY_AMT2",
  "PAY_AMT3",
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 ],
 "artifacts": {
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   "bytes": 18636,
   "sha256": "7842edc29acd316873ffa482db705ab2ea09427f8b4e1186436713d316de8ecb"
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   "PAID_2_paid in full",
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   "STATUS_0_delay of 6 months",
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   "STATUS_3_delay of 8 months",
   -0.0001632838231806132
  ]
 ],
 "intercept": -0.2309387424099975,
 "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)"
  ]
 ],
 "reference_label": "the Week 6 test set reweighted to the 3 percent book rate",
 "reference_note": "The reference file is the Week 6 test set reweighted to the bank's book rate, the way the Week 6 calibration check reweighted it: every paying account counted four times and 578 defaulters once, so the file defaults at 3.0 percent, as the book does. The Week 6 cut is the score of the last account inside the top 10 percent of that file, which is the queue the record approved."
}

	{
	"org": "Corvana Bank",
	"system": "LimitWise",
	"version": "v2",
	"short": "limitwise",
	"emoji": "\ud83d\udcb3",
	"portfolio": "corvana-portfolio",
	"collection_name": "LimitWise Governance Repository",
	"collection_url": "https://huggingface.co/collections/drdavidprivacy/limitwise-governance-repository-6ae5ff9b374cab20b18250eb",
	"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,
	"month_rows": 4000,
	"month_seed": 11,
	"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": [
	"STATUS_0",
	"STATUS_2",
	"STATUS_3",
	"STATUS_4",
	"STATUS_5",
	"STATUS_6"
	],
	"watch_fields_label": "the six status fields (Week 6 memo, ruling 6)",
	"week6": {
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	"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": [
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	"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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	"intercept": -0.2309387424099975,
	"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)"
	]
	],
	"reference_label": "the Week 6 test set reweighted to the 3 percent book rate",
	"reference_note": "The reference file is the Week 6 test set reweighted to the bank's book rate, the way the Week 6 calibration check reweighted it: every paying account counted four times and 578 defaulters once, so the file defaults at 3.0 percent, as the book does. The Week 6 cut is the score of the last account inside the top 10 percent of that file, which is the queue the record approved."
	}