{"model":"hgb","package_version":"0.1.0","model_version":"0.1.0+412322f","git_sha":"412322fa6f89c726eb5a14dcbd669c817d1bc220","git_sha_short":"412322f","git_dirty":false,"mlflow_experiment":"credit-risk","mlflow_run_id":"864b4665479043508627044a72119946","baseline_mlflow_run_id":"9d122ced460c4bd7a9c53b04e299b813","registered":true,"registered_model":"credit-risk","data_sha256":"56c885f84457f6680f8438f02bfcdac9579323d8a94465ee5f26e32baa727602","trained_at":"2026-09-02T17:05:32Z","n_train":18000,"n_val":6000,"n_features":45,"feature_columns":["LIMIT_BAL","EDUCATION","AGE","PAY_0","PAY_2","PAY_3","PAY_4","PAY_5","PAY_6","BILL_AMT1","BILL_AMT2","BILL_AMT3","BILL_AMT4","BILL_AMT5","BILL_AMT6","PAY_AMT1","PAY_AMT2","PAY_AMT3","PAY_AMT4","PAY_AMT5","PAY_AMT6","util_1","util_2","util_3","util_4","util_5","util_6","util_mean","util_max","pay_ratio_1","pay_ratio_2","pay_ratio_3","pay_ratio_4","pay_ratio_5","pay_ratio_6","pay_ratio_mean","delinq_max","delinq_mean","delinq_months","delinq_recent","bill_trend","pay_trend","bill_mean","pay_amt_mean","zero_pay_months"],"hgb_n_iter":103,"validation_metrics":{"logreg":{"roc_auc":0.749,"pr_auc":0.4903,"brier":0.1434},"hgb":{"roc_auc":0.7756,"pr_auc":0.5336,"brier":0.138}},"fit_seconds":{"logreg":0.29,"hgb":0.91},"libraries":{"python":"3.12.2","scikit-learn":"1.9.0","numpy":"2.5.2","pandas":"2.3.3","mlflow":"3.15.2","joblib":"1.6.0"},"metrics":{"roc_auc":0.7909,"pr_auc":0.5744,"brier":0.1316,"ks":0.4495,"threshold_cost_optimal":0.155,"n_test":6000,"trained_at":"2026-09-02T17:05:32Z"},"loadtest":{"p50_ms":243.84,"p95_ms":382.32,"p99_ms":418.26,"mean_ms":244.94,"rps":40.34,"error_rate":0.0,"requests":300,"concurrency":10,"host":"Hugging Face Space, CPU basic, Docker, single process","timestamp":"2026-09-02T23:52:06Z"},"disclaimer":"Demonstration system trained on the 2005 Taiwan credit-card dataset (UCI id 350). Not a U.S. underwriting model. Do not use it for real credit decisions."}