arXiv (OAI Expanded)
open access
A Decision-Support Audit Protocol for Supervision Drift in Proxy-Labeled Credit-Risk Prediction
Credit-risk models are trained on proxy labels and deployed under temporal and segment change, yet no single transfer metric separates base-rate shift, probability-scale shift, and feature-label relationship change. We contribute a design-science artifact: a locked, multi-signal audit protocol for s
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