Data Science in a modern financial institution
summary
How Nubank uses Machine Learning for credit decisioning: the talk explains how a data-driven culture enabled creation of a Data Science team, how engineers, analysts and data scientists iterate together, and how organizational structure shapes model development and use. It walks through repeated iterations of credit-limit assignment to show testing and monitoring practices and how deployed models change decision processes and the data distribution, creating a feedback loop that gradually shifts system behavior.
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