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Course Outline
AI in Credit Risk: Foundations and Opportunities
- Traditional vs AI-powered credit risk models
- Challenges in credit evaluation: bias, explainability, and fairness
- Real-world case studies in AI for lending
Data for Credit Scoring Models
- Sources: transactional, behavioral, and alternative data
- Data cleaning and feature engineering for lending decisions
- Handling 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 scoring accuracy
- Model training, validation, and tuning techniques
AI-Driven Lending Workflows
- Automating borrower segmentation and loan risk assessment
- AI-enhanced underwriting and approval processes
- Dynamic pricing and interest rate optimization using ML
Model Interpretability and Responsible AI
- Explaining predictions with SHAP and LIME
- Fairness in credit models: bias detection and mitigation
- Compliance with regulatory frameworks (e.g. ECOA, GDPR)
Generative AI in Lending Scenarios
- Using LLMs for application review and document analysis
- Prompt engineering for borrower communication and insights
- Synthetic data generation for model testing
Strategy and Governance for AI in Credit
- Building internal AI capabilities vs external solutions
- Model lifecycle management and governance best practices
- Future trends: real-time credit scoring, open banking integration
Summary and Next Steps
Requirements
- An understanding of credit risk fundamentals
- Experience with data analysis or business intelligence tools
- Familiarity with Python or willingness to learn basic syntax
Audience
- Lending managers
- Credit analysts
- Fintech innovators
14 Hours
Delivery Options
Private Group Training
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- Pre-course call with your trainer
- Customisation of the learning experience to achieve your goals -
- Bespoke outlines
- Practical hands-on exercises containing data / scenarios recognisable to the learners
- Training scheduled on a date of your choice
- Delivered online, onsite/classroom or hybrid by experts sharing real world experience
Private Group Prices RRP from €4560 online delivery, based on a group of 2 delegates, €1440 per additional delegate (excludes any certification / exam costs). We recommend a maximum group size of 12 for most learning events.
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