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IV

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Aug 29, 2025 · Fundamentals

Master Variable Feature Engineering: IV, PSI, WOE & Dimensionality Reduction

Learn how to transform raw data into model-ready features through comprehensive preprocessing, variable derivation, dimensionality reduction, and the application of IV, PSI, and WOE metrics, with practical guidelines, thresholds, and visual examples to enhance risk model performance.

IVPSIWOE

0 likes · 16 min read

JD Tech Talk

Jan 29, 2019 · Artificial Intelligence

Building Credit Scoring Card Models with Logistic Regression: Full Process and Evaluation

This article explains how to construct credit scoring card models using WOE‑encoded variables and logistic regression, describes three card types for different credit scenarios, and details an eleven‑step development workflow including variable selection, modeling, scoring, and performance monitoring.

Credit ScoringIVWOE

0 likes · 8 min read

Building Credit Scoring Card Models with Logistic Regression: Full Process and Evaluation