Summary
AI can make credit decisions faster and more consistent, but only if lenders can explain, monitor and defend them. This paper sets out a governance framework covering the full model lifecycle.
What the paper covers
- Defining permitted automation through confidence bands and policy
- Designing reason codes from model attributions
- Fairness testing and proxy analysis
- Human-in-the-loop review design
- Immutable audit records for every decision
- Monitoring for drift and population change
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