Income-proxy model for credit-card eligibility
Scoring model that estimates user income from behavior to power credit-card approvals.
A model that estimates a stand-in for income from observed shopping behavior, used inside the credit-card eligibility decision.
Tokopedia did not have direct income data on its users, but credit decisions still had to be made. A behavior-based surrogate gave the lending workflow a defensible signal to score against, with a low cost of false rejection.
A LightGBM surrogate model trained on observed shopping behavior, calibrated against the lending team's accept/reject thresholds. Drove +0.75% true-positive uplift with minimal false negatives.
Sole author.
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