190 citations · 202 across the 8 of their papers we have counts for
4 papers · 1 filter
Finding the Sweet Spot: Trading Quality, Cost, and Speed During Inference-Time LLM Reflection
Jack Butler, Nikita Kozodoi, Zainab Afolabi +2
As Large Language Models (LLMs) continue to evolve, practitioners face increasing options for enhancing inference-time performance without model retraining, including budget tuning…
Fighting Sampling Bias: A Framework for Training and Evaluating Credit Scoring Models
Nikita Kozodoi, Stefan Lessmann, Morteza Alamgir +2
Scoring models support decision-making in financial institutions. Their estimation and evaluation are based on the data of previously accepted applicants with known repayment behav…
Fairness in Credit Scoring: Assessment, Implementation and Profit Implications
Nikita Kozodoi, Johannes Jacob, Stefan Lessmann
The rise of algorithmic decision-making has spawned much research on fair machine learning (ML). Financial institutions use ML for building risk scorecards that support a range of…
Shallow Self-Learning for Reject Inference in Credit Scoring
Nikita Kozodoi, Panagiotis Katsas, Stefan Lessmann +2
Credit scoring models support loan approval decisions in the financial services industry. Lenders train these models on data from previously granted credit applications, where the…