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Duration 14 hours
Course Outline
AI in Credit Risk: Foundations and Opportunities
- Traditional versus AI-driven credit risk models
- Real-world case studies featuring AI in lending
Data for Credit Scoring Models
- Data sources: transactional, behavioral, and alternative datasets
- Data cleaning and feature engineering for lending decisions
- Managing class imbalance and data scarcity in risk prediction
Machine Learning for Credit Scoring
- Logistic regression, decision trees, and random forests
- Gradient boosting (LightGBM, XGBoost) for enhanced scoring accuracy
- Techniques for model training, validation, and tuning
AI-Driven Lending Workflows
- Automating borrower segmentation and loan risk assessment
- Dynamic pricing and interest rate optimization using ML
Model Interpretability and Responsible AI
- Explaining predictions using SHAP and LIME
- Adhering to regulatory frameworks (e.g. ECOA, GDPR)
Generative AI in Lending Scenarios
- Leveraging LLMs for application review and document analysis
- Prompt engineering for borrower communication and insights
- Generating synthetic data for model testing
Strategy and Governance for AI in Credit
- Developing internal AI capabilities versus adopting external solutions
- Best practices in model lifecycle management and governance
- Future trends: real-time credit scoring and open banking integration
Summary and Next Steps
Requirements
- A solid understanding of credit risk fundamentals
- Experience with data analysis or business intelligence tools
- Familiarity with Python or a willingness to learn basic syntax
Target Audience
- Lending managers
- Credit analysts
- Fintech innovators
Testimonials (1)
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